At Reliance First Capital, providing excellent customer service has always been our main goal. As a direct-to-consumer lending organization, we never forget that helping our customers achieve their goals is why we come to work each day. And we are always looking to improve so we can better serve our customers. That’s why we ask each of our customers to complete a survey along with any feedback. Below you’ll find the responses from actual Reliance First Capital customers…. real comments from real customers.

Reliance First Capital began with a simple vision…..to help both existing and prospective homeowners receive the right mortgage by providing customized solutions that match our clients' individual needs. And today, Reliance First Capital has provided over $1 billion in loans to customers across this great nation helping them achieve their financial goals.

So whether you’re looking to buy a home or looking to refinance your current mortgage, whether you have perfect credit or are struggling with payments, our dedicated and knowledgeable staff will design a custom-tailored mortgage that helps you achieve your financial goals. At Reliance First Capital, we welcome the opportunity to put our staff's years of industry experience to work for you. As a direct lender, we have the resources to deliver the right programs, fast approvals and speedy closings. You can Rely on Reliance First Capital.

Christopher S. - NY

William and Christina P. - NY

Alicia K. - NY

Jason S. - PA

Timette N. - MN

I cannot say enough about how well I was treated in working with Chad. As I understand that my particular effort was a bit unique and had several twists and turns in the process. Chad NEVER gave up, did what he had to in order to help me and kept me informed throughout the entire process!! Chad's customer service was beyond what I ever expected and I could tell he sincerely cared for my situation and was going to see it through to the end. Chad exhibited leadership skills and knowledge that helped my loan go through - and I am very, very grateful!

Scott L. - FL

Edward was the most professional, determined, courteous, and well prepared individual I have ever had the liberty of entrusting a process of this importance to. That young man has more integrity and professional communications skills, and patience of anyone I have ever worked with.

Sergio C. - CT

Phyllis went completely above and beyond.

Max M. - NC

Raemi Was very helpful. She even answered calls when she was off duty. Wonderful experience.

Richard K. - MD

Rick was excellent to work [with] and a pleasure on the phone. I would definitely recommend him to anyone who needs a loan.

Eugene K. - NC

Robert was extremely helpful in explaining how re-financing my mortgage would benefit my bottom line by providing me with cash to help pay-off some credit liabilities and in so doing provide me with extra upfront cash.

Barbara L. - TN

You did a great job and I would refer you to anyone.

Wade M. - IN

I initially was promised 100% LTV with no out of pocket closing costs even with my recently discharged Chapter 13 Bankruptcy, which would've allowed me to cash out ~$10,000. That didn't happen. In the end I had to scrape together nearly $4,700 to close the loan. I'm aware that I had a difficult credit situation to deal with, but I don't like that fact that I came out $14,000 under what I was originally expecting to borrow after almost 5 months of going back and forth and sending in this and that repeatedly. I almost gave up on the whole situation, but Ken Watson, the Mortgage Analyst that I worked with, bent over backwards and definitely went above and beyond to get this done and didn't let me give up. Thanks for all your help Ken. (as posted on LendingTree.com)

Robert O. - NY

Maja's ability to explain the process and keep me calm was priceless. You have yourselves a real asset with Maja... Very nice job! I can't thank you enough for the excellent service and ensuring that [my] family was taken care of..

James S. - KY

Yana did an outstanding job, she made the whole process very enjoyable.

Panorea W. - PA

Peter was exceptional through the whole process. Peter was very personable, and took the time to explain the process step by step. He presented me with several loan options, and ultimately guided me to the loan that best fit my need. He made what could have been a long and tedious process a timely and enjoyable experience.

Charles L. - OH

I would have cancelled the loan if not for Luke.

Robert C. - NH

I have to say that my interactions with Michelle were informative, pleasant, clearly-explained, and sprinkled with humor that's so necessary (I believe) in processes such as these. Michelle was always a delight to work with at all times, responded to my sometimes out-in-left-field questions with clarity and grace (as well as that humor!), and carried herself as a skilled professional in handling interactions with customers/clients. I would totally and wholeheartedly recommend anyone to have her as their analyst! [Reliance First Capital] did well in contact, interaction, and professionalism, for my refinance circumstances...

Henry G. - NC

Regan just exceeded all of the above [expectations] and was very personal.

Jimmy Farmer - TN

Lisa went above and beyond to keep me informed of every step in my loan process. Wish more employees would be as courteous as she was.

Virginia D. - NC

Joseph worked tirelessly, professionally and with compassion to overcome any obstacles that confronted us. I would, without reservation, recommend my friends or colleagues to finance or refinance through Reliance First Capital because of him! Exceptional Service throughout the entire loan process!

Johnny Y. - KY

Lisa was great.

Joseph and Mable H. - SC

Lisa has to be the best [Mortgage Analyst]. She kept us informed throughout the entire process. She was the greatest.

Alta S. - ME

Michael was extremely exceptional with this loan. He kept me informed and when I believed that the loan wouldn't go through, he assured me that everything was going fine and it would close by the middle of November. I would recommend him to my friends and family.

Ernestine E. - TX

Michael walked me through the complete process and calmed me down when I got excited about the process.

Robert T. - NM

I've dealt with many finance companies in the past, and Reliance First Capital has been the best. Working with Michael Young, I always had great communication and great information. Although I had extenuating circumstances going on, Mr. Young, kept his eye on my loan process and was a great help during this time. Pick them if you need a re-fi, or anything else, I don't think you'll regret it. (as posted on LendingTree.com)

Joana A. - PA

[Michelle was] great and I will recommend anyone to Reliance First Capital.

Erika L. - NH

Recently went through a re-fi and after reviewing my options thru Lending Tree and speaking with several lenders I selected Reliance First Capital and Michelle Williams. Michelle was fantastic from start to finish. She provided me with many options best suited for my situation and we were able to close in about a month. I can't say enough about Michelle, it was a pleasure to work with her. She was the reason I went with Reliance First Capital. I had comparable rates with other lenders but after speaking with Michelle I knew that we would work well together. If you are going to go with Reliance First Capital I'd request to work with Michelle. She is very knowledgeable, friendly, responsive and will do whatever she can to help you close your loan under the terms you are looking for. Thanks again Michelle for a great experience! (as posted on LendingTree.com)

Gaye H. - AL

Phil was extremely helpful in guiding us through the VA mortgage loan process. This product provided the plan we needed and Phil guided us in the completion of what the VA required. Through the whole loan process Phil kept us informed and responded to our questions in a very timely manner.

James W. - OH

There were several bumps in the road given my situation. We were able to get the refinance done when others were unable. (as posted on LendingTree.com)

Todd S. - MD

Ryan K. did an excellent job in taking care of us. He was quick with responses and kept the process moving quickly. Very easy to work with! (as posted on LendingTree.com)

James D. - PA

Ryan Kearney was attentive and made the entire loan process simple and easy to understand. Any issues and Ryan was on top of it right away. The easiest refinance ever! (as posted on LendingTree.com)

Sylvan H. - PA

You provided my wife and me with exactly the financial assistance we needed at this point in time. The closing went extremely well and was accomplished in less than 45 minutes. I do not know of anyone at this time, but will definitely share our positive experience with anyone looking to refinance or in need of financial assistance.

Charlotte P. - TN

Yana was great to work with.

Suzanne N. - IN

Wanted to send a note to thank you for your assistance in getting our loan process completed last month. We are so lucky to have found Reliance First Capital. I typically go with my gut and while there were certainly many people attempting to “court” us, York and your team stood above and beyond anyone else I even had a conversation with---which after I spoke with York on the initial call was not many :)

Barney P. - NC

Ed was very helpful and patient. I had a lot of issues and Ed took the time to fix my history so I could get the best loan possible. even when I was about to give up Ed didn't. In my opinion, I received the best possible help that is out there anywhere. (as posted on LendingTree.com)

Tricia B. - PA

Greg Keller was amazing at every step of the way. He has helped us for over 2 years while we worked at getting the right mortgage for our needs.

James S. - AL

Henry and Sara are two outstanding people. They went above their job to get me what I wanted under the circumstances that we went through. My loan wasn't one of those loans that you could do over night. Those two people showed extreme professionalism in every aspect of their jobs. I'm very grateful for them and I thank them again for their time and effort. Keep up the good work. Henry and Sara outstanding people others need to learn from these outstanding professionals, thanks.

Richard D. - NC

Miles Commodore He was very friendly and quite accommodating. Great personality.

Marla R. - LA

Sharon was the best!!! She had all the answers I needed and responded to every question I had. She made this easy for me and was heaven sent!!! I can never thank her enough. I would recommend them to everyone I know. (as posted on LendingTree.com)

Richard N. - NH

Great Experience working with Erin. Took me down a path to a re-fi that I did not know I could get (using my GI loan). Worked with me to satisfy all of the requirements for being self-employed. Kept me informed all the way (many steps because of my situation). Would use them again (would ask for Erin) and would recommend them to friends and family! (as posted on LendingTree.com)

Arthur B. - TN

Leslie Nicholas assisted us from start to finish. Professional and courteous at all times. Always returned calls. Always got the information we requested.

Richard N. - NH

Erin was outstanding with her effort to explain options that were available to me. Kathy and I feel like we have a friend. Erin was outstanding with her professionalism and working out trouble stops.

Ivan A. - TN

Great response time.

Brian G. - NH

My wife and I were in the market to refinance our existing mortgage as well as use the equity in our home to pay off our debt. We took to Lending Tree to find a lender who would partner with us and guide us through the process. We found this in Reliance First Capital. Not only did we have a great experience with them from the very first conversation but our mortgage specialist Daniel Stout was superior in all areas of the process and most importantly customer service. Reliance First Capital is a pleasure to work with! (as posted on LendingTree.com)

Deborah W. - TX

Dianne was great to work with!

Arthur B. - TX

Edward Winder was always on top of every step of the process. If a situation came up, he was able to give me support in helping me get over those problems. One example is that he helped me find a survey company in my area that kept the loan process on schedule. I can't thank him enough for making this process go as smoothly as possible. I also want to thank Ed Bailey and Tracy for their assistance. Tracy was able to help coordination with the underwriter and Ed was available for additional support for Edward and I. I do not have any friends or co-workers looking for loan services at this time, but I have told everyone I know about the service I received from the Reliance First Capital team.

Jay M. - AR

Gardner was an excellent loan officer. He was always available to answer any questions or concerns I had. (as posted on LendingTree.com)

Keller T. - AL

Alex was the key to this-----had it not been for him, and the diligent, caring, supportive analyst that he is, I would have gone somewhere else on several occasions.

Nikki J. - TX

Brittany was extremely courteous, helpful and apologetic when things didn't go as they should. She made every step of the process "pain free". I really enjoyed working with her.

Dean H. - MD

Cindy identified some issues in the way my credit information was being affected by creditor reporting practices and worked with me first so that I had a clear picture of the problems created and provided information on ways to overcome them allowing me to achieve the necessary credit rating to complete the loan. Amy Wagner was extremely helpful and encouraging that Reliance First Capital could help with my securing a loan. I had other banks and savings and loans tell me that they could not help without taking the time and effort that Amy took to really understand my specific situation. She was a bright beam of light at the end of my tunnel.

Thomas M. - FL

David went the extra mile to get our finance package put together. H e was quick to respond to our needs, questions and concerns. He showed a real concern for our needs and was always positive in his responses. We had a few rough spots in our processing, David kept a positive outlook and helped us better the process, thank you David. (as posted on LendingTree.com)

Heather T. - OH

The customer service, particularly Eric Sailor, was outstanding. He responded quickly to questions and everything was well explained from day 1. There were no surprises. The entire process was completed within a month. I have already recommended Reliance First Capital to others. (as posted on LendingTree.com)

Heather T. - OH

It was a pleasure to do business with Eric Sailor. He was very responsive, and he took the extra time to make sure we knew exactly what was happening at each step. We couldn't have worked with a more knowledgeable or helpful individual; he made the process simple. (as posted on LendingTree.com)

Robert M. - PA

Luke as mentioned above. Outstanding skill sets throughout the entire process. He returned my calls and answered all questions on weekend, holidays, and after 8PM.

David H. - CT

I will refer anyone who is looking to get a loan for a house!

Jacqueline C. - NJ

If you treat your clients like I was treated you should have no problem, that we all have dreams, big and small, and don't give up - Marvin was great, he is my George Bailey. Very respectful and professional, a diamond in the rough. If I didn't have Marvin I'd be homeless, enough said. I don't know of someone right now, but in the future I will tell them and refer them to Reliance First Capital.

Kimberly O. - NC

Amazing!!! Very personable. Readily available to answer questions. Excellent customer service skills!!!! Mitra Sharifi is awesome! (as posted on LendingTree.com)

Louis S. - PA

Noelle made the whole process so much easier than I thought it would be. Of course there were a few hurdles to jump, which I expected during the process, but Noelle was on top of everything. She kept us informed with everything that was going on and I honestly couldn't have asked for a better person to work with.

Janice B. - OR

Peter was fantastic! Kept us informed and explained every step. I thank you for an awesome experience. I will recommend Reliance First Capital to all my friends and family.

Keith B. - OR

Peter was exceptional. Kept us informed of any changes or needs right away. This was a very painless process and very encouraging.

Robert W. - WY

Phyllis was the best most personable financial analyst that we have ever experienced! We will go through her again if needed!

Yvonne P. - SC

Sharon was such a wonderful person to have service me. May your company always be honest and understanding. Sharon was exceptional. I will always try my best to work with her if I ever need her again. I will tell everyone about her work. Thank you for all your help.

Kenneth B. - PA

Alba seemed to anticipate what might be requested and did everything she could to be prepared in advance so everything could move along in a smooth fashion.

Eric D. - ME

Frank was very professional.

Eric D. - ME

Great job done by Frank. It made the refi process very smooth.. Frank stayed on top of it throughout the entire process.

Angel W. - PA

Greg went above and beyond when I needed information provided to assist me in obtaining it. He was always extremely friendly and prompt in returning calls.

Phyllis L. - TN

Leslie made what is a very time consuming, over whelming process go smooth and painless as possible. Even when I was pulling my hair out trying to find the required documents she remained patient and professional. She was a pleasure to work with and I appreciate all her hard work making all three of my loans work for me.

Hilton S. - NC

Mike was exceptional from the first phone call. He was honest, upfront and answered all of my many questions quickly and reliably. I really enjoyed the entire experience with him. He walked me through every step of the refinance process, examined carefully every scenario I asked him to, and he helped me to choose a program which met my needs. My financial situation was not the best, but Mike never once made me feel embarrassed or uncomfortable about it. He listened to me and without judgment, gave me a program which worked. I could not have asked for a better person to help me. I'm very indebted to him. He worked very hard to help me and earn my business. He's a tremendous asset.

Joseph M. - CT

Phyllis took my financial situation and turned it around 180 degrees. Treated me and my wife with the ultimate respect. During the mortgage process Phyllis treat us like a family member. She went out of her way to make the mortgage process painless. Phyllis is a big asset to Reliance First Capital, I would recommend her to my friends and anyone needing a mortgage from Reliance First Capital. She took a personal interest in our finances and turned us around when we needed the help the most.

Linda R. - DE

Shawn worked with me until we came up with a mortgage that met my needs. He went over several mortgage programs. Explaining the advantage of the different programs, We found a mortgage program that was different than my usual 30 year mortgage. I am now in a 26 year program. I would like to thank Shawn for all of his help and time he spent with me. I now understand the different mortgage enough to fell I have made a good selection. THANKS to Shawn.

Christina S. - PA

Thomas was very professional and made this process smoother than any loan I have ever applied for! He was prompt and courteous throughout the entire process. I am extremely grateful for everything he has done for me. He is exceptional! Wow! Again, Mr. Hanft made this a very smooth process. Thank you!

Kevin B. - PA

Thomas was very helpful, courteous and patient. Always had time for any questions we had.

Judy K. - NM

Definitely exceptional service. I did not think I could do this. York encouraged me all the way.

John M. - NJ

My wife Ada and I are very thankful to Reliance First Capital, especially to Erick for everything he has done for us in the purchase of our first home last May. Well, we started our Home Purchase with [another lender] and after weeks of promises they turned down the application at the last minute with no valid explanation and disregard that we were going to be homeless and we were going to lose our $10,000 down payment money. We reached out to Erick at Reliance First Capital and his Credit Coach Brian Smith and they helped us to improve our credit score within a few days and we were able to close on the loan in about 2 weeks. They treated our purchase with utmost care and efficiency. Since my wife was due to have our baby any day now, we were under extreme pressure to get the home purchase done. I am glad that we got in touch with you. When [another lender] said no I am glad Reliance First Capital said “Yes”. Thank you guys so much!! We are so happy in our home and all thanks to you.

Flavelia S. - AR

I am not a good record keeper and I got sick about 10 days into the process which made Kevin's job very very difficult but through it all he was kind, considerate and very very patient until it was done. I've never talked to a kinder person.

Michael N. - KY

This was the best experience dealing with a Mortgage company ever! for me.....Thanks. (as posted on LendingTree.com)

Ruth P. - KY

We will diffidently refer someone we know that is looking for your service.

Chester C. - NC

I would definitely choose Reliance First Capital again and will go to them for any future real estate purchases. (as posted on LendingTree.com)

Vincent B. - PA

Lisa, this letter is to thank you for the high level of professionalism that you bring to the table. Thank you so much for putting in the extra time to see that the experience of refinancing my mortgage was both what I requested and that it was completed in a timely manner. It helped a great deal that you took the time to explain in detail to me and my wife what was to be expected. Your professionalism was on display when you said you were going to call. You were on point with every expected or anticipated phone call. If you said you would call, you did. Even if it was just to tell me you were still working towards a resolution. Your persistent tenacity made the process much smoother than I could have imagined. You’re a valued asset to Reliant First Capital and I hope they treat you as such. Thank you.

Deborah B. - CT

Reliance First Capital was the only one of 10 companies that we spoke with that stuck with us. They presented their credentials. They were persistent in finding financial products that we were eligible for. They were knowledgeable about government programs and did not waste our time with inaccurate assumptions about our qualifications. Very sharp, very knowledgeable, persistent in finding a solution to our needs--the only one! Reliance First Capital was honest and straight-forward. When we said we need to move on this deal, they jumped and acted very quickly to set this in place, saving us hundreds of dollars had they acted slowly.

Dianna H. - NC

Amanda far exceeded my expectations in my refi loan process! Amanda is not only an extremely professional mortgage analyst, she is also a very caring human being! I was going through some very trying times during this process including my mother being ill and difficulties with a handyman's unscrupulous tactics. Amanda supported me personally and professionally through the loan process. She is a true credit to Reliance First Capital and I would refer people to her anytime! Thank you for helping me get my financial house back in order!

Anthony and Kathy W. - CA

Hi Chad and Matt - just a line to let you know that after all is said and done that we understand that this was a process more complicated than most and that you guys did a good job helping us with each step. We realize that a major difficulty was processing it as a VA loan. Anyway thanks for your hard work.

Larry W. - WA

It went really smooth and fast, this was a very pleasant experience. Cindy did a lot for us that I wasn't sure about, she went above and beyond to get this done.

Kenneth J. - OH

Things went well, Dan did everything he said he would right on time, don't change a thing.

Nega G. - NC

Danny was courteous, friendly and knowledgeable and made the whole process easy, fun and his professionalism was exceptional. I am referring family and friends to Danny so that they can enjoy doing business with such a smart and pleasant person.

John A. - NC

We worked with Danny Andrade at Reliance First Capital. He was amazingly responsive to our needs and questions and I never had to wait days for him to call me back. Along the way, we had many questions on the process and he was patient, professional and knowledgeable. I would highly recommend Danny and Reliance First Capital. (as posted on LendingTree.com)

William M. - NH

Eric did an incredible job explaining the step by step process and guided me through the entire time. Great guy!!

Terry S. - TX

Gavin did a very professional job. Gavin helped from beginning to the end. He made sure things were handled in a timely matter.

James H. - AL

Reliance First Capital was very professional and courteous. The entire process of the application and closing took less than 2 weeks. The online electronic signing was simple and efficient. The fees were minimal (I qualified for HARP). I would definitely recommend Reliance First Capital to someone looking to refinance or new mortgages. (as posted on LendingTree.com)

Regina W. - PA

Madelyn was very helpful, knowledgeable, and pleasant to work with.. I would like to thank Madelyn and Reliance First Capital for helping us to fix our mortgage problems.

Kelly B. - PA

Matthew was extremely courteous, patient, understanding and explained everything to me in detail. He truly went above and beyond everything that was expected! I would highly recommend him to anyone.

Joseph K. - SC

Miles was very informative and was on top of the process.

Sue M. - NC

Regan made the mortgage process a complete pleasure--no issues. I never had a banking process go so smoothly.

Robert G. - NY

Jim provided outstanding service. He went above and beyond to help me and my family. He is a true professional.

Michael P. - NM

The lending industry, at least for mortgages, is very tight and it is difficult to get a refi without superior credit reports. Some of the hoops we had to jump through were tedious and repeated. However, Reliance First Capital stuck with us and in the end we got a good finance rate and duration for the home refi. (as posted on LendingTree.com)

Telisha H. - SC

I really enjoyed working with Reliance First Capital. My primary contact was extremely responsive and helpful. Would gladly recommend. (as posted on LendingTree.com)

Tania W. - PA

Gregory demonstrated total dedication to my husband and I even when we didn't think it would happen. Gregory worked very hard and was very patient he also kept us advised of what was happening every step of the way.

Bumble55 - NC

Reliance First Capital was very quick with responding and taking care of my needs. Robert made the process very easy and fully explained every process. I would use them again in the future and refer them to anyone looking to purchase a house. (as posted on LendingTree.com)

Christopher B. - NY

Sash was exceptional in every possible way!

Lacey D. - SC

I applied for a mortgage in December of 2013 and my loan closed on Friday May 11, 2014. If you are counting, that is more than 500 days. To some people, that would be a negative, to me, it is a positive as Toi stuck with me through the entire process. During this time I made offers on more than 5 homes, some were accepted, some were not. I had appraisals come in low, I had inspections that did not pass, I had sellers change their minds and back out at the last moment as well and I had a Realtor who stopped returning my calls. Did I mention I am a 1st time home buyer? To say that I was sure I would never get a home is an understatement. There is no doubt that without Toi, I would still be a renter. Toi called me at night to check on me when she had delivered bad news that day. Toi called me on weekends to make sure I was on the way to appointments to see homes we had looked at on line during the week. Toi gave me her home and cell number and told me to call whenever I needed. My Realtor mentioned at the closing that she has never worked with a loan officer that worked as hard for a client as she saw Toi working for me, she even joked that we must be related, only family would do that. I told her that I had never met Toi in my life!!!!!! If Toi gets to see this let her know that I remember one of the first things she said to me, “you are a Veteran who has served your Country and I will make sure that if a home is what you want a home is what you will get”!!!!! Not many people in this world will make a promise like that but I do know one person who will keep it and her name is Toi. Thanks to Toi, I have spent my entire weekend packing, cleaning, cutting grass, painting, and repairing- it has been one of the best weekends of my life...and I owe it to one person.

Brandon T. - NM

I worked with York Moore, he's a consummate professional who does everything he can to get you the best rate and terms based on your individual goals. He takes the time to get to know your financial situation and there are absolutely no hard selling tactics like so many companies I dealt with in this process. Thanks for all your work on my loan Mr. Moore! York is a consummate professional who takes the time to understand your unique situation, offer a wide range of competitive rates and terms, and work diligently to keep in contact and follow-up on promises related to your loan. Thanks for your great work! I'll be sure to refer all family and friends in the market to you. (as posted on LendingTree.com)

Lisa A. - MD

Genie was awesome, she assisted me every step of the way thru the entire process answering questions and doing whatever it took to meet deadlines etc.

John P. - NY

Jim is a very knowledgeable and experienced representative who made me feel confident that things were being handled well. He was in consistently in touch with me throughout the process. I never had to reach out to him in regard to things that needed to be done. He was always one step ahead of what needed to be taken care of. Jim was also very personable and friendly, it was never just about the business.

Ilene N. - NY

Joe thoroughly researched my financial situation and made sure what he was recommending not only worked for me in the short term, but would be in my best interest in the long term. When I asked about a refinance that he strongly believed was not the right thing to do, he said that if I insisted in going that route, I should go to someone else. In good conscience, he was not comfortable with what I was considering. That "sealed the deal" for me. If he was willing to lose my business, I knew he was offering his sound, professional expertise. I like when the person I am working with keeps in touch with me on a daily basis, even if it's just a quick update on status. Although I never expressed the need for daily updates, Joe did just that. I heard from him at least once a day and at times that were best for me. I will definitely recommend Joe to anyone I know that may be interest in a mortgage or refinance.

Charles C. - PA

Marjorie was exceptional from the first phone call, all the way through to the final funding - professional, positive and effective. She is one of the finest all-around service professionals that I've had the pleasure to work with. Reliance First Capital in now "top of mind" when it comes to mortgage management firms and she is the primary reason for this positioning.

Rachel H. and Matthew C. - PA

Marvin, thank you so much for all you did for us, helping us buy our first home. We've already started making it ours, moving in furniture and such. You really made the mortgage process easier to understand for us. We also appreciated how prompt you always were and how communicative. Best of luck in all your future endeavors, and have a wonderful summer!

Phillip E. - IN

Mike went out of his way to help us in any way. He is the best person we have worked with getting a loan. I would recommend him and Reliance First Capital to anyone that I know that needs a loan.

Kirklund F. - WY

John was outstanding.

James D. - CT

Khalif is a exceptional person to deal with. He was courteous and kept us up to date as needed. Highly recommended. A great experience.

James D. - CT

A pleasure to do business with. Khalif Brown was a pleasure to deal with. He was prompt, courteous and said we would get it done fast which he did. A+++. Awesome dude to work with. A real gentleman. (as posted on LendingTree.com)

By Wesley21 - LendingTree.com

Let me simply say no one could have done a better job than Khalif! (as posted on LendingTree.com)

Nicole C. - NY

Lisa was there to answer any question I had, returned emails and phone calls promptly. She was absolutely AWESOME!

Charles M. - DE

Lisa was great to work with, so was Ed, most of the time spent was with Lisa, she was great. Ed was there to help, and he did so. Highly recommend both.

James W. - TX

Michael secured my business while I was seeking financing by providing loan options beyond what I had requested. We actually went with his best suggestion. All other financial institutions only quoted based on my request without exploring additional options.

Todd L. - AR

Raemi was very helpful and did everything she could to help me with my needs, I would recommend her to anyone.

Denise W. - WY

Gregory was quite patient and sensitive to our personal needs in carefully going through the information review for loan consideration and the process that we wanted to be very comfortable with. He was always totally professional, very detailed oriented, and responded promptly to our inquiries. In addition, he was able to lower our interest rate from his initial quote that saved us almost $600/month on our payment from our previous mortgage and it was obvious he sincerely was working hard to find us the best financing option. Would absolutely recommend Gregory and Reliance First Capital to anyone!

Kristopher C. - NY

My husband and I purchased our first home almost a year ago. My mom saw an ad of Facebook saying that people were saving thousands with LendingTree by refinancing their mortgage. She sent me the link, I had no intentions of actually doing it, but I filled out my information. When I got home from work my phone rang and it was Lisa C. from Reliance First Capital. I was still skeptical for a week or so while we went over numbers and such. Lisa answered all of my questions and made this whole process extremely easy. Fast forward... I am closing on my loan today. I will be saving over $94,000.00 in interest and PMI by refinancing. And to top it off we changed our term to 25 years instead of 30 years AND our payment went down $200/ month. I would highly recommend Reliance First Capital to anyone, especially working with Lisa! (as posted on LendingTree.com)

John W. - PA

Dear Amy,

You and Reliance First Capital helped me close my loan - Thank you!

Obviously, you assist people on a daily basis; as that is your profession. What you don't realize is that while your actions may seem routine to you, they are so very different from your competitors.

During our initial phone call, you were upbeat and pleasant (not much different from other lending institutions). You asked detailed and pointed questions about my goals and expectations. We discussed my credit score, income, etc. and all of the particulars that would be needed. Where I gained an instant respect for you wasn't just when you told me what Reliance First Capital could do, but when you told me what you couldn't do for me and the reasons why. You subsequently followed that up with a series of suggestions that provided me with clear and precise parameters and the best ‘next steps’ that would enable me to achieve my objectives.

Once I decided to work with you and Reliance First Capital for my loan, there was never a misrepresentation. When you said you would call, you always did; when the underwriters came back with questions and requests, you explained why and what was needed while supporting and assisting me with each inquiry and keeping me posted every step of the way. Your actions, efforts and positive reinforcement throughout the entire process underscores the value of excellent communication.

The [Credit Coach] team Reliance First Capital provides is a tremendous tool that any home buyer or individual who is looking to refinance should utilize. Even if an individual is only considering a loan, they should contact you, find our their credit score and see what programs are available. If their credit score isn't at the level needed to meet their financial needs, your [Credit Coach] team will assist them to get to the target score which is exactly why perspective borrowers shouldn't hesitate for a moment to reach out to you even if they are only considering a loan to identify what the possibilities are early in the progress.

All lending institutions have similar interest rates. But conversely, processes and more importantly quality people are key differentiators. I am Director of a fortune 50 company and deal with banks and financial institutions on a regular basis. I have a number of mortgages and can honestly say that my experience with you and Reliance First Capital has been second to none. There wasn't the slightest waiver in your congenial and supportive approach and advocacy from day one and all the way through to the closing. I truly felt like I had a partner who I could count on during the entire process.

Some financial institutions claim they are "engineered to amaze"; Amy Clark and Reliance First Capital are engineered to impress and get the job done in the smoothest and most professional manner. I will not hesitate to refer you to anyone I know who is looking for a loan and will encourage them to contact you and Reliance First Capital even if they are not sure if they can qualify for a mortgage.

Thank you and enjoy your summer!

Sherell R. - IL

Christopher was absolutely awesome because he always goes beyond the call of duty. There is no way I can capture everything in one sentence when it comes to the attention and dedication that Chris provided on a daily basis to make this a success. Chris worked tirelessly for several months 7-days a week, early morning and late evening, through all the delays and setbacks that occurred during this process. When one door closed, and believe me it happened several times, Chris found an alternative to get things back on track. He kept me sane throughout this entire process... Chris far exceeded my expectations. It was truly amazing! Thank you from the bottom of my heart for getting this loan closed.

Heidi B. - NC

I selected Reliance First Capital based on my initial conversation with Ed. He was professional, forthright, interested and positive. Wes was also able to step in, think outside of the box in order to seal the deal and accomplish my refinance goals. I was not a cookie cutter case, and Reliance First Capital successfully addressed my individual criteria. I will be sure to recommend you to friends and family.

Raymond M. - PA

Please feel free to promote miss Lisa to the next stage in your company.

Suzan R. - ME

Maja was very prompt, professional and very attentive. I felt like she was in frequent contact and helped move things along when they were apt to get stuck. This is the second time we've used Reliance First Capital. We came back because our first mortgage process went so smoothly. If we did this again, we'd come to Reliance First Capital again because the second mortgage process went so smoothly.

Sadie M. - NC

Kevin was outstanding - I really enjoyed working with him - he is great.

Maureen D. - NH

Loved working with Maja - She always returned calls when she said she was going to. Always prompt to respond to my questions via email. She is FANTASTIC.

Jason O. - IL

Mary was outstanding to work with. She truly went up and beyond what I would have expected. She was able to track down documents I was certain had been lost after several companies went out of business. She was also a pleasure to work with and walked me through every step of the process.

Lora M. - OR

Ed was very attentive, very knowledge, and very personable. He kept me informed at all times and knows what he is doing. Diana has a very pleasant voice and even sounds good at the end of the day. I wish for all companies have what yours has.

Julie W. - MD

Amanda was the best She followed up with me since the first day we contacted and was great.

Bernard P. - NC

Diane was great she did a great job in calling me and returning my phone calls. She called before the appraisal and after, she called before the closing and after. She kept me informed every step of the way. She made me feel like I was the most important customer she had.

Marvin W. - WY

Erick was very helpful.

Matthew F. - PA

We have had a great experience with Reliance First Capital! Everyone we dealt with was amazing, friendly, and knowledgeable especially Eugenia, a true treasure! (as posted on LendingTree.com)

James H. - KY

Joseph provided outstanding professional service throughout the process and kept me well informed of everything from beginning to closing and afterwards also. I want to personally thank him for working with me.

Manuel and Flor G. - AL

I just want to express our gratitude for all the help, assistance and your professionalism you have shown us during the process of refinance our home.. We are very happy the way it went, everything you told us was right on the money, on target.....Thank you so much.

Kate F. - PA

Genie is AMAZING. She was professional and kind. I am a very anxious person and she was so patient with me and explained everything so clearly. She always got back to me in a timely manner. I asked many questions and she always took the time to answer everything and explain every step of the process. Genie truly went above and beyond. Buying our first home was such a big moment in our lives and I don't know how we would could have gone through it without Genie. She is truly one in a million!!!

Stephen O. - WY

Hi Carla, I must say that it was MY pleasure to speak with YOU today!!!! I now can understand why Greg is so well versed in the loan process with YOUR company, Reliance First Capital!! I can't say it enough on how Greg was so knowledgeable in the loan process. IF ONLY OTHER COMPANIES HAD YOUR COMPANY'S KNOW HOW AND CUSTOMER'S INTEREST IN MIND, WE WOULD NOT HAVE THE MORTAGE PROBLEM THAT EXISTS IN AMERICA TODAY!!!!!!!!!!! I am truly happy that Greg contacted me. Once again it was MY PLEASURE, for me, to talk with YOU!!!

Thomas M. - MD

Greg is and proved to be an excellent and knowledgeable Mortgage Analyst. The entire process went smooth, start to finish. I thank you.

David C. - AR

Jeffrey was AWESOME! He educated me through the whole process, was always available to answer any questions I had, and a pleasure to work with.

Kevin D. - NM

Earl kept us up to date through our loan process and he was available for any questions and concerns we had. It didn't matter what time it was or how long it took he always made sure we understood all the information. If I ever needed another mortgage loan I will call Earl.

Marsha J. - NC

We were discouraged until Emily gave us hope to try one more time. She went beyond expectations.

George C. - NY

Erick was amazing to work with. He was very knowledgeable. Erick worked with me for several months to rebuild my credit and was extremely courteous.

Thomas G. - CT

Frank was outstanding. It was a difficult closing because of my requirements. He was patient, professional and very helpful. A++. I would refer your company to anyone.

Dmitry Y. - OH

Gregory was easy to communicate with and he was very thorough.

Beryle H. - MD

Ken worked diligently until the very end of our transactions. He was very patient and helpful in every way. There were times when we were ready to give up, but he continued to encourage us to be patient because he would get to the bottom of whatever was causing the discouragement. Ken stayed in touch with us every day until the closing. A great big THANK YOU to Ken for all he did.

James B. - NY

Great Job (as posted on LendingTree.com)

Timothy P. - NC

I have been trying to refinance and pay off credit card debit using my equity for the past year and a half. Every offer I got was not good enough to start all over with a 30 year plan. I decided to give it one last try and signed up with Lending Tree and they paired me up with Reliance First Capital. The financial advisor I spoke with was great. She spoke with me over two hours to get to know me and my problem. She called me later on that evening with the offer I had been looking for, Excellent rate, closing cost reasonable and very responsive, the closing only took 2 1/2 weeks. Also the offer started me off where I left off with my previous lender, did not have to start over with 30 years. Thank you Reliance First Capital for a great job! (as posted on LendingTree.com)

Amy R. - NH

Michael was very attentive from the moment I spoke to him on the phone to when our loan closed. Leslie helped in getting necessary paperwork needed for our quick closing. Reliance First Capital was the only company that had a program that would help us after our Chapter 13 was discharged over a year. Thank you for having many programs available to customers. Working by email was very helpful as well and being able to get paperwork back to Michael and Leslie via email was convenient and quick.

Hannah M. - NC

Regan was awesome! The entire loan process was quick, efficient and thorough. My husband and I are thrilled with the results. Thank you.

Cody W. - NY

Awesome experience. Everything went super smooth, fast, and most important, accurately. I will do all my refinancing through Reliance First Capital, LLC in the future. Sabra Lane was awesome to work with and was there to help us through every step of the way. I would refer her and Reliance First Capital to all my friends and family. Thank You for all your help!!! (as posted on LendingTree.com)

Angel M. - WA

Very pleased with speed and ease of doing our refinance. Thank you.

Mollie S. - PA

Steve and Kelly were, in one word, amazing. Steve was exceptionally patient and kind and was able to "dumb down" things for me, as this was my first home-buying experience. Steve and Kelly truly made this process a breeze for me, and they dealt with my nerves and put up with my random inquiries. I gave my coworker Steve's information and told him all the great things about him so that when she is ready to go forward with her plans on buying a home, she will contact him.

Jodie V. - LA

The experience was easy and went pretty seamless. (as posted on LendingTree.com)

Steven B. - IN

Steve did an exceptional job working through possible refi scenarios, and given the many challenges with my current financial requirements, he tenaciously found a solution. He's a keeper.

Rebecca P. - MN

Steven was my contact person as well as Susan. They were very helpful and I very greatly appreciated all their hard work they provided me.

Sean A. - NY

As a mortgage analyst, Thomas was hands on getting my house refinanced and getting me out of debt. Thank you Tom.

Michael T. - WY

I would like to personally that Frank for sticking with me through this process. My credit was not so good, so it has taken a long time to get funded. He really went above and beyond the call of duty. Thank you again Frank.

Carole F. - AL

Jeffrey went above and beyond - he kept me informed the entire time and was a pleasure to work with.

Andrew G. - IN

Jim was amazing. He answered nearly all our questions before we even asked. He was conservative and did not promise anything that he could not provide. He made this refinance about as easy and painless as possible.

Phillip S. - AL

I feel Andy went out of his way to help me. He made it all so easy for me and helped me all the way.

Amy L. - PA

Lauren Wright did an outstanding job of helping us and keeping us informed.

Patricia J. - NJ

Lauren was always there to answer my questions, she explained everything, went above and beyond to get things done, she is great!!! If anyone I know needs your services I will surely send them to Lauren.

Maria W. - KY

Lisa was very pleasant and helpful. I love her upbeat positive personality.

Kate D. - NC

Toi was very helpful on the phone. She did a good job explaining things when we didn't understand the financial terms.

George and Mary V. - NC

Tracey was much better as an analyst than the one I had in 2012. Reliance First Capital’s timeline was over 2 months shorter than my 2012 experience and was very satisfactory. I cannot say enough good things about Tracey's performance, it was outstanding! [She] was superb and definitely provided exceptional service in getting us our new loan in record time.

James M. - NC

Ed [was] very courtesy, knowledgeable and professional. Would recommend to friends.

John S. - SC

Edward did an exceptional job after the previous Mortgage Analyst was not able to close my loan request in 6 months. Ed with the assistance of Vanessa spent a significant amount of time working on a Saturday and was able to complete all documentations from 02/19/2014 until closing 02/28/2014. They are both to be commended for the efforts to change a very frustrating time in to a smooth closing in a short time frame. My conversations with both individuals were very cordial and apologetic for the previous poor handling.

Michael T. - WY

Frank [is a] heck of guy. He stood by me all the way. Thank you Frank.

Karl G. - NY

Mark was exceptionally helpful, knowledgeable, and professional in every step of the refinancing process.

David A. - NC

Robert he kept me "in the loop" about what he knew from the VA. He checked regularly for updates from the VA about the status of my NOV.

Suzanne H. - IN

Jamie was extremely helpful and quickly answered any questions we had, which were numerous. We asked the same questions several times and she always answered as if it were the first time we asked them. She was never rude or lost her cool! She's a keeper!

Janet and Alan H. - ME

We had other loan officers call when we applied on lending tree, I didn't have a good gut feeling with the others. Then Noelle called thank god.She was AWESOME. We have a lot of debt but have always paid our bills. She didn't make us feel like idiots like other places did. That we tried over the years, yes I said years. She always knew the answer to our questions or got right back to us with the answer. I feel that Noelle went above and beyond what most other mortgage analyst would have done for Janet and myself, Noelle and Reliance First Capital has change our lives for the better.

David A. - IN

Jim was amazing, there were several issues that we threw at him and he helped us work through all of them. He was amazing! I know there were a number of things he had to do behind the scenes as well.

Ed and Marilyn M. - PA

Katherine remained in contact with my wife and I; she continually sought to make the process as easy as possible. She was proactive and knowledgeable about the process and used that to expedite. We are the last people that we know of who had not refinanced. If we encounter anyone who wants to refinance, we will recommend Reliance First Capital.

James M. - PA

Very satisfied with Paul Galdes, He did an excellent job keeping me informed through the process. He answered all my questions and if he did not know got back to me in a very timely manner with the answers. The closing was handled quickly and completed at my house. I would recommend Paul and Reliance First Capital to anyone looking for a mortgage. (as posted on LendingTree.com)

Karrie N. - AL

Mr. Phil Moore at Reliance First Capital was excellent. The process was relatively quick. He was very helpful at every step. Although we ran into some hurdles (no one's fault really - just compliance and procedural stuff), Mr. Moore always was patient and creative in coming up with solutions. I would definitely recommend. (as posted on LendingTree.com)

Brian D. - MD

Ruth was wonderful from start to finish!!

Kazuko H. - CA

I feel Thomas went above and beyond to help me through the process. I didn't understand a lot of it, but Thomas was very patient to explain everything to me every step of the way. He was very friendly and easy to get along with. He also gave me is cell no# so I could call anytime which help a lot, because I did. I think you’re very lucky to have him. Keep up the good work.

Donald M. - PA

Yana was the most pleasant, professional, and knowledgeable person that we have encountered. She worked with us daily ensuring that any questions we had were answered and that we were never in the dark throughout the entire refinancing process. Her expertise and kindness allowed us to feel comfortable in knowing that she was working hard to secure our loan. We want to thank Yana for making the loan process enjoyable! Thanks again, Yana!

Bruce K. - PA

Anthony was exceptional in his treatment and service to me. Whenever I called I always got him and not his voicemail, and whenever I shot off an e-mail to him he always responded within a few minutes. I never was left in the dark as to what was happening and everything was explained to me to my understanding. You have an exceptional employee in Anthony. Thank you for assigning him to my loan.

Andrew R. - PA

Reliance First Capital and especially Chris Decker went the extra mile in closing our recent refi. There were a few bumps in the road and Chris and the whole team at Reliance First Capital really worked hard for us and it payed off in the end. We got a great deal and were able to accomplish our goals. Well done! (as posted on LendingTree.com)

Linda C. - NJ

Erick was reliable and always willing and able to answer all of my questions. He really came through for me. He is an example of someone who actually cares and gives it his all. I would definitely recommend Erick to anyone that wants to refinance.

Charles M. - PA

Chris went above and beyond.

Randy B. - PA

I was optimistic about using an online organization but it was very professional and all questions were answered in a timely manner. If you are thinking about refinancing give this group a shot. (as posted on LendingTree.com)

Leonard B. - NY

After I had started to work with another lender, Genie called, then called back later to see if everything went well. The first lender was not able to complete transaction, but Genie asked to take a look at paperwork that had been already completed, to see if anything more could be done. After checking everything out, her tenacity with underwriters and superiors got all answers needed, and we were able to complete refinance in a most satisfactory outcome. Highly recommended. (as posted on LendingTree.com)

Mark J. - CT

I was lucky to be placed with someone who became my friend for life. I knew that instantly. His name is Chris Decker. He found me and knew my husband and I needed to save some money. From the first time Chris and I spoke his confidence kept me intrigued and I stuck with him. We spoke or emailed or both every day for over 2 months. He made the process of refinancing our property attainable with little effort on my part. He did it all. He sharpened his pencil and made it work. I don't want to take away from talking about Chris but if you knew my financial past you would never think anyone could help me as did I....but then I met Chris Decker from Reliance First Capital. I even added meeting him to my bucket list. There is one thing for sure I could never repay him for what he did for us. He always let me know what documents he needed etc and I would get them to him in a timely fashion. He deserved the best treatment because that is what he gave ALWAYS.

James B. - NM

I had various documents that were not correct and Chris went to a lot of trouble to get them straightened out.

Nora R. - CA

We appreciate the help you gave us, and thank you very much.

Joanne S. - NC

Danny was very patient with me. I had recently lost my husband and he was very kind and patient.

Brian H. - LA

Ed, you have been a huge help, very professional and patient. You have been the best Mortgage Analyst I have ever dealt with. Once again, thanks for everything.

Cora B. - PA

Good morning Mr. Thompson, the purpose of this email is to express my appreciation for the service I received from Ms. Evanko. From the beginning of the process to the end, Ms. Evanko was extremely professional, courteous, and always kept me up to date on the status of my loan request. Although I was not approved for the refinancing, I still wanted Reliance First Capital to know that it was still a pleasure to do business with Ms. Evanko. She is truly an asset to your organization.

Leonard B. - NY

After starting to work with another lender, Genie called, then called back later to see if everything went well. That lender was not able to complete transaction, but Genie asked to take a look at paperwork that had been already completed, to see if anything more could be done. After checking everything out, her tenacity with underwriters and superiors got all answers needed, and we were able to complete refinance in a most satisfactory outcome. Highly recommended. Thank you Genie. (as posted on Yelp.com)

Viola S. - PA

Everything went fine. Very pleased, will recommend thank you.

Bruce and Kim S. - PA

Andrew was excellent to work with he kept me informed at all times and if a problem arose he stopped it quickly. Working with Andrew was one of the best experiences I've ever had and the financing of our home.

From the very first time that I spoke with my rep, I was kept in the loop. I used my VA status to get my loan, although the VA made me jump thru hoops, my lender kept it in perspective and follow thru was of the utmost importance, which they did do in a timely and satisfactory manner. (as posted on LendingTree.com)

Kimberly W. - PA

They keep in constant contact with you. They made the process very easy and their confidence makes it easy to trust them. Customer service is so good you almost feel like you have made a new friend. (as posted on LendingTree.com)

Kirby M. - NC

Excellent experience! Mr. Ed DeBerry was very responsive to my needs and my questions. I'm very happy with the service I received. Thank you Mr. DeBerry. (as posted on LendingTree.com)

Faleesha A. - NC

Edward informed me every day of the progress of the loan whether its status changed or not.

Nicolas D. - NH

Very satisfied with everything throughout the process.

Jeffrey R. - NY

Jim kept us informed and worked hard to make our situation better he also saved us a lot of money. He's a man of great integrity.

Charles D. - IN

I hope Jim is recognized as a tremendous asset for your company. His professionalism and integrity are second to none that I have experienced in the mortgage industry. His knowledge and communication skills were excellent.

Sheri D. - NY

Jim was my Mortgage Analyst. He was upfront with me from the beginning with what to expect. He kept me updated throughout the whole process and returned my calls promptly. My situation was a little difficult but Jim did not give up on me. He helped me every step of the way and got my Refi done!! Very knowledgeable in his field and was always pleasant to talk with. After just a few phone calls I trusted and felt very comfortable with him. It was as if I was dealing with a friend. This was truly a pleasant experience. I cannot say enough good things about Jim and my experience with Reliance First Capital. Thank you Jim!! (as posted on LendingTree.com)

Ted H. - MN

Even if my loan did not go through I would "strongly agree" that Joseph and Yana are the best. Keep up the GOOD work. As said above Joseph and Yana did super job. I would think that there are more people on their team and a hat's off and thanks to them also. I feel that I/we know Joe and Yana personally. Joe went above and beyond in getting us a VA loan. Other people had that chance and blew it, "tee hee" to them. I had no idea that that could happen. A special thanks to JOE. You have made Life easier for US, THANKS again.

John H. - OH

Lee did a very good job.

Nancy P. - PA

Brian was an unexpected gift to myself and my wife. He did a very good job helping us with the whole transaction.

Bernard B. - NM

Chaka was very helpful in getting me on the right track with my credit and helping me understand the things I needed to get in a better loan percent always one step ahead of the game in getting me information. Also the whole crew under him kept me up to date as well I thank them all for being kind and having humor while doing business.

Kenneth H. - PA

Daniel was my Mortgage Analyst and was very attentive, courteous and knowledgeable. I would recommend him to anyone I know.

Gayle B. - NC

Gavin was our contact throughout the whole process. He made every step clear and was always helpful and patient. He kept in touch and worked hard to explain and move the process forward. Thanks also to Kathy who made the property assessment a nice experience. Thanks to Vanessa who was a great help when Gavin was away. And lastly to Rhiannon who notarized the forms so expertly. To Reliance First Capital, we feel fortunate that we took that first call and allowed your company to refinance our loan. I had felt that the other finance companies just didn't either understand our property or were too eager to make promises they couldn't fulfill to get our business. I had cancelled a loan application with Quicken Loans and felt overwhelmed by all the unrealistic promises from all the other companies. Thanks for making it happen and we now can enjoy retirement.

Paul O. - NY

The customer service that I received from Jim Heisser at Reliance First Capital was outstanding. I will remember the good personalized customer service for a long time. Like many others, I didn't know where to start on getting a home loan. I tried to contact other brokers, but either they didn't even bother returning my call like they promised, or they kept postponing the appointment with me. Then, I found Jim through Lending Tree. I was a bit skeptical as I read a one-star review on his review page, but knowing that angry customers seeking revenge is inevitable, so I called Jim. I am glad I did it because the negative comment about him was not true. Jim set an appointment with me. I was honest with Jim regarding my financial situation, and in return he explained in detail of what I needed to do, and how can I prepare my profile better for qualifying for the loan. I received many valuable advices from Jim regarding my future mortgage loan. Jim was always there for me when I had any questions on qualifying for a loan. Some customers don't understand that Jim is just following the procedures that underwriters of the loan companies he uses will do, which is to make sure that not only the applicant has to have equity, stable income, and good credit score, but also quality equity and good cash flow. In short, He's an honest man who deals with integrity. He's an excellent communicator, and His patience with those who don't understand mortgages in great detail is extraordinary. The bottom line is that Jim needs his clients to be open with him about their situation so that he can better help them. Jim, you're awesome! Thank you very much for helping! (as posted on LendingTree.com)

Elzbieta P. - NY

My case was very complicated but excellent outcome thanks to great team from Reliance First Capital. (as posted on LendingTree.com)

Victor R. - NY

Genie was very helpful and patient in guiding me through the loan process from beginning to end. When we hit a minor road block during the loan process she was able to clearly explain to me the situation encountered and she was able to offer an alternative solution.

James R. - OH

Genie knew the right loan for me, and kept me up to date on the loan process and let me make my own decisions - she was not "pushy".

Joseph P. - NJ

Joe was the consummate professional during the entire procedure. He showed empathy and sympathy when we arrived at several stumbling blocks along the way. He is truly to be commended for his untiring work and professional attitude and performance.

Reginald B. - NY

Kevin was always available to me and kept me informed of the process through each step. He was very professional and easy to work with.

Russell R. - NC

Mia was very helpful and was courteous and professional.

William F. - ME

I have been through at least a dozen refinances with different institutions in my day. Noelle Boehme is simply the best. She sold, committed and delivered in an absolutely professional and personable manner. I will certainly refer her to others and look to her for future financing opportunities.

Thomas H. - PA

Excellent service and constant communication with Noelle. GIVE HER A RAISE!! (as posted on LendingTree.com)

Lashawn S. - MD

My experience has been great with Reliance First Capital. OMG!! They are wonderful!! Communication was excellent. They made sure I understood everything step by step. Ryan Kearney was the associate that I dealt with and he was wonderful. I give them 5 stars. I plan on referring them to other people. I can't say enough good things about them!!! (as posted on LendingTree.com)

Linda V. - PA

Sam was very knowledgeable and offered different scenarios regarding mortgage payment programs. He listened and understood what I was looking for and provided the perfect package.

Brenda G. - SC

Walter is the best!!!! I have never been through this process of refinancing and was really nervous. Walter took his time and explained the process, walked me through each step, kept in daily touch. He is professional, friendly and actually cares about his clients financial goals.

Maureen D. - PA

Chris was very friendly and courteous throughout the loan process. He promptly returned calls and kept me up to date on the progress of my loan. He was a pleasure to work with. Even though we never met I felt very comfortable working with him.

Sarah B. - PA

Gregory was very personable and knowledgeable and was very easy to get in contact with. I can say that Greg was the greatest to deal with and I really appreciate the going above and beyond to help me get a loan plus making it the least stressful as possible.

Jason B. - PA

I had the best service ever. Keep of the good work. Gregory was so helpful, I can't thank him enough. I've dealt with bank before. I give him an A+ for his service. Will tell anyone I know to us his and Reliance First Capital's services. Outstanding job.

Barry F. - PA

Scott kept me informed at every step.

Bobby M. - IN

We were very Blessed to have Khalif and Yana as our agents, and we will strongly recommend them to others. They were very professional in helping us, courteous, and kept us updated on everything until the closing.

Joseph B. - MI

Gardner was relentless in his pursuit of my satisfaction. He was easy to talk to and gained my confidence during our first phone conversation. I was skeptical of the "over the phone deal" but Gardner made it the right move for me and my wife. Thank you. I will defiantly push Gardner's card into any hand I feel could use his services. I would not send one of my people to just anyone but I will send them to Gardner.

Harvey P. - OH

Carlton had great social skills and was very pleasant to work with, it was always a joy to talk with him. Issa was very good to work with, had worked hard on this loan and kept us informed.

Barbara L. - TN

Everything was great. The best people I have worked with, would recommend them to anyone. Jerome I love you.

Robert A. - NM

Loved Jessica's kindness, courteousness and her ability to be tenacious to make the loan be the most effective for us. She was very diligent and efficient. She responded very quickly and left no room for confusion. Our loan turned out to be exactly as she said it would. Very pleased with her work ethic. We really appreciated that Reliance First Capital sent us disclosures throughout the loan process especially the final documents prior to closing. It really allowed us to process the information without the pressure of being at a closing table. It also enabled us to sign all paperwork quickly and expediently at closing. It made the overall closing very quick, and we felt very well informed.

Ray N. - FL

Jim worked very hard for me and was in constant contact. I could tell he cared and I was not just someone he had to work with. He came up with options and alternative solutions that I would not have considered. Although his contacts were always friendly I could tell during the entire process he was not only a professional but had a very thorough knowledge in the field of refinancing. After a few contacts I felt quite comfortable working with him. He made the whole process uncomplicated and easy to understand. I can never thank him enough for that. He is certainly an asset to your staff.

Terry W. - KY

Julia researched and arranged loan choices, kept us well informed and did so quickly. Very pleased with her service. Tonya was also very helpful in keeping us informed and up to date on the loan process. We are very satisfied with the loan experience; in fact, it's the best we have ever dealt with.

Serina R. - CT

Joe was very informative and always kept in touch with me to let me know what was going on. He had a wealth of knowledge that helped us pick the right mortgage for our situation. I would use him again. He is such an asset to your organization!

Michael D. - TN

Justin performed very well. He did a very good job.

Ryan A. - PA

Marvin was great with the purchase of our first home. Its intimidating going into the process as a first time home buyer, and Marvin walked me through every step in detail so I knew what to expect.

Karen J. - MD

Rhiannon was the best throughout the whole process!

Luann A. - PA

When I was first given your companies name I didn't call. Actually I let months go by before I decided to call. I was figuring that we wouldn't be able to get funded because of Steve being self employed. I decided to make the call anyway. As fate would have it you were the one who got my call. Thank God for that. You were so nice from the start. I felt comfortable and at ease with you (even though we never even met). You found a way for this whole deal to happen, plus get my credit score back on track. I am a skeptic anyway but you definitely proved me wrong. You are very good at what you do and should be commended.

James W. - CA

Sabra provided excellent service by thoroughly explaining our options and giving us suggestion on how to provide our information to best suit our chances. Sabra had excellent communication and returned phone calls and emails within a professional and courteous time frame. I would refer anyone I know to Sabra to help their goals.

Carolyn M. - NC

Words cannot describe how fortunate I was to get a call from Scott. I would highly recommend him to everyone for your real estate needs. With the changes in buying and refinancing Scott guided me through this litany of papers and telephones calls process with such care and professionalism. Scott understood the importance of getting me out of the ARM and followed up on ALL angles possible to ensure that I would be able to refinance my home. He not only got me refinance, but he made the process seem effortless. He kept me abreast of the process. Thank you, Scott for your patient, loyalty, integrity, selflessness and your commitment to serve and educate me about refinance. Scott, do not change!

Richard K. - PA

Steve went above and beyond in his service - there were many hiccups with our purchase and he made sure everything went smoothly and went above and beyond for us - this purchase is a new beginning for us and we can't thank him or your company enough. I will definitely send anyone to Steve for their mortgage needs. Thank you thank you thank you!

Cynthia V. - TN

Susan was my Mortgage Analyst. She did a great job and was personally interested in getting us a loan. She went above and beyond in pushing the process through and we appreciated all the extra effort she gave. I would highly recommend Susan to anyone that I know needing a new loan or needing to refinance.

Debra W. - NM

Adam he was great to work with very personable made me feel like we will be friends forever!! Good guy.

David C. - NJ

I just wanted to thank you again for helping Karen and I with our recent refinance. I've just made our 1st new mortgage payment and we’re happy with how everything worked out. I'm glad we did it, you were most helpful, and easy to work with. I would certainly recommend you, and Reliance First Capital to anyone I know wanting to refinance. Thanks again for your help.

Terry H. - TN

Cornell was very professional and held our hand through the entire process. We will use his services again and refer him to all our friends!

Dustin B. - NC

Being this was my first home purchase I was really nervous on dealing with a company that was not local. I wanted to talk face to face with someone about this since this was a life changing even. Robert insured me that everything would be just fine and that there was no need to meet face to face because I didn't need to worry about the loan process and let him deal with it all. That is just how it went I was very pleased with the professionalism I received from the company and they meet all of my expectation plus more!!! They really made the first time home buying experience as stress free a possible!!! I would highly recommend them to anyone!!!

William H. - MD

I can't think of anything that would improve your process, my wife and I enjoyed the refinance program...no problems. Robert took time to answer all my phone calls quickly and with honest professional feedback concerning my situation.

Jeffrey S. - OH

Ryan provided service that was above and beyond anything I would have expected from my loan officer. He kept in constant communication and always went out of his way to make sure I understood what was happening as a first time home buyer. In addition, Ryan was very genuine and he really cared about helping my wife and I get a new home. I will be recommending Ryan to all of my friends and family looking for home loan.

Kevin B. - NC

Everything went as smooth as we could have hoped for. Wanda was tremendously helpful and thoroughly explained every step along the way.... Much thanks to Wanda for her professionalism and expertise

Larry T. - TN

Great Job Yana. Always very helpful and friendly.

Carla B. - OH

I worked with Genie for the past few months trying to get our home refinanced. Immediately out of the gate I trusted her for she has an innate talent to make her customers feel comfortable and at ease. It was not an easy situation and there were a few times when I was ready to walk away due to the more than frustrating process. Genie always remained calm and professional while continuing to entice me back in! I am in a sales capacity and jump through hoops for my clients…but Genie jumps through hoops on fire to make sure her customers are 100% satisfied! She provided top notch service for us and I would bet my house that she does this for every single person she comes in contact with! You are very lucky and have a major asset within your organization for not only is Genie extremely knowledgeable and professional but also personable and caring. She is simply amazing and I just had to share with you! Thank you!

Benjamin K. - NY

I have absolutely no suggestions on how it could have been any better! It was the easiest thing about the entire home buying process. Gregory calmed my fears after we were scammed by a predatory lender. He went above and beyond to call me and email me even several time a day to let me know how things were coming along. I was never left wondering where we were in the process. Greg, and the entire team at Reliance First Capital, were able to take me from panicking to closing in three weeks. They far exceeded all of my expectations.

Craig S. - PA

Greg [is a] very nice guy who answered any of my many questions quickly and professionally either by phone or email. Very quick and painless refinance of our home loan. Very positive experience. Thank you Greg.

Barbara W. - PA

Greg has gone beyond my expectations of a Mortgage Analyst, He was helpful in making as painless as possible and for that I am very pleased working with Greg.

Laura N. - MD

Greg, his processor, and underwriting staff [were] easy to work with and very accessible. Kept us updated on the status of our loan, almost daily. [I] would recommend Greg and his team to anyone looking to refi.

Gene W. - NM

Henry is an exceptional individual and he really worked for us.

Tyra C. - MD

Gary provided outstanding customer service. I have refinanced with other companies and have never received informative feedback to provide insight on the mortgage companies. Thank you for meeting my personal needs.

Jhon D. - NC

Overall I am pleased with Reliance First Capital and will not hesitate to do business with them in the future.

Kenneth H. - PA

When I contacted Reliance First Capital I had no idea who I was going to deal with or how difficult would be to get this done; Jonathan Elliot was the guy who made this process so simple and easy. I would not hesitate to call Reliance First Capital again for future needs. Way to go Jon!! (as posted on LendingTree.com)

Glenn R. - PA

Maja was my mortgage analyst and she did an excellent job all the way through the refi process. Had I not had such an informed person handling my refi, I probably would not have gone through with the process at all. I will definitely keep Maja in mind if I know of someone else who is buying a home or looking to refi their current mortgage. In my opinion, Maja should get a monetary bonus for her hard work and dedication in helping me to find the best loan scenario that would meet my needs.

Ann H. - PA

Marvin was my contact man. He was very personable and professional. We laughed and had fun during the process of the mortgage. He made it a pleasurable experience. I recommend him to friends and family.

Kenneth O. - AR

Steve was awesome!! He was very polite and always willing to answer my questions. He did a great job:-)

David H. - AL

Tina was wonderful throughout the entire process. I have dealt with larger lending agencies before and the customer service Tina gave me was above and beyond. I will recommend Reliance First Capital and Tina to all my family and friends.

Stacia G. - TN

This was my first time refinancing without the help of my late husband. Even though brother who had refinanced with you in the past recommended Toi by name, I was still afraid that I was going to mess this up. Toi called me at the recommendation of my brother Gerard and she won me over with the first call. She made me feel like I was the most important customer she had (she even emailed me from Italy to make sure all was going well). While Toi was unavailable, her co-worker Najuma stayed in contact with me, which was a very nice touch I must say. I know my situation was not at all typical but Toi never once let me believe that what I wanted could not be accomplished. If I could, I would give her a big hug, she definitely deserves that! Thank you from the bottom of our hearts!!!

Austin D. - NM

Adam Williams handled about everything thru the entire process.

Glenn Toy - PA

Keep doing as you now are (very good).

Mary B. - TN

Ramey was very informative, took extra time to explain the loan and answer any questions.

Ira B. - NY

I know most people think their financial situation is unique but mine was rather unusual. I freelance and my income is inconsistent from various sources, which made any verification of employment needed to close a refi most difficult. But although my annual income was more than enough for the numbers I was seeking, I was never employed in one place long enough for the final 5 day prior to closing verification of employment. Basically, I was in a Catch 22. Erick Cifuentes was one of the first people I spoke with regarding a refi but was not my first choice to start the process. My first and only mistake! So with 99% of the process completed with another bank, I hit a brick wall due to the difficulty verifying my income/employment to the rule of thumb stated by Fannie Mae. I called up Erick and explained what I was up against. He saw the ridiculousness of the situation, even though my numbers added up, he still was up against the rules needed to verify my employment and said he would see if there was anything he could do. In the mean time, I spent another month trying to work something out with the first bank as well as starting up a new loan with an independent broker. The independent broker said it would not be a problem, but would take 2 to 3 months before closing. After spending about 2 months on this process already, it was not a length of time I really had hoped for. After about a month since Erick said he’d see if he could do anything, I received a call out of the blue from him. He said he apologized for taking so long to get back to me, but he had worked out a deal that allowed my accountant to verify my income and that would be all that was needed to close. I was gun shy and already dealing with two possible loans, but couldn’t help but be amazed that Erick never did forget about me. I took the leap of faith and started my third loan in motion. Long story short, after dealing with a second appraisal, Erick closed my loan in 2 weeks. There are no words that I can say that do justice to Erick’s dedication and drive to really treat every loan situation as unique and doable, no matter what the obstacles. I felt like I was getting dragged through the muck and mire of this process. Erick swooped in, picked me up and did what I thought would be the impossible! He closed my loan. Thank you, thank you Erick. You are truly a noble man in your field. I recommend you to any and all who need a mortgage. There will be no disappointment. (as posted on LendingTree.com)

Ella Q. - MD

Gary is a people person. He did a wonderful job, step by step detail. Gary, Job well done.

Austin D. - NM

Adam handled about everything thru the entire process.

Angela A. - NC

Alex was great to work with! He is very friendly and seems to really enjoy helping customers reach their financial needs.

Betty S. - AR

To Whom It May Concern, my name is Betty. The last part of Nov. 2012 I applied for a loan from Reliance First Capital. My loan officer was a very nice young man named Brendhan. This young man walked me through each step of the process. He called me almost each day to keep me informed of what was going on. I have never had this kind of help from a loan officer before. He did everything he said he would do when he said he would do it. I cannot begin to tell you how much I appreciated this help he gave me. He is a Christian man and I knew this just from my first conversation with him. He made my life much easier and I thank God for him. I wish there were more men in this world like him. I felt like he treated me like he would if I was his mom. I also visited with his supervisor, Mr. Smith. He was also very nice and helpful. I would recommend this company to anyone. Thank you Reliance First Capital, may God bless you and Brendhan.

Michelle K. - PA

Chris was a great help at finding us a program that helped us achieve our goal.

Sean S. - PA

This process was better than I ever expected and Damien and his manager Tom were exceptional.

Randall D. - PA

Darla was very knowledgeable and thorough.

Johnny C. - NC

Ed provided exemplary courtesy and service.

Kevin M. - WA

Eugenia has, for a second time, worked tirelessly (literally) day and night to do whatever it took to make my loan happen by the deadline set. Genie was a real pleasure to work with. This is my second experience with her. I was glad she was there for me.

Laurie M. - NY

In this day and age good customer service is often difficult to find, and I feel it is important that it be recognized. I am writing to let you know how much I appreciate the outstanding customer service that I received from Jim "Heisser" Stevenson. He was very attentive and helpful and very knowledgeable about the refinancing process and seemed genuinely interested in helping me meet my needs rather than just being focused on making a quick sale. Because of his efforts, I was able to accomplish exactly what I needed and I am very satisfied with my outcome. I will continue to recommend Jim Heisser, Reliance First Capital and Lending Tree in the future to others. You have a great employee that makes customers feel respected and valued. Thank you, Jim, for your commitment to good customer service. (as posted on LendingTree.com)

Joseph F. - OH

Allen kept us informed regularly and timely by phone or email. He listened to our needs and met our needs aggressively. We appreciate all he has done for us.

Linda H. - NC

Krystal is a very very professional woman. There turned out to be a problem with my credit score, Krystal helped me.. She is one of the best, when I got upset Krystal was still very professional.

Jeffrey A. - MD

Lisa Corbly has a way of making one feel at ease during a sometimes difficult process. Fun to work with.

Kimberlee S. - NC

Amanda was always professional and courteous even when the underwriting process got a bit frustrating. She was excellent at returning calls and also keeping me in the loop on the progress of my loan. She deserves a raise!

Loran W. - AL

Henry did a good job and I would recommend him.

Janice H. - NC

William was a soothing and calm voice during my process. Very knowledgeable, honest and no matter how really bleak my situation turned out to be he made me feel better. Reassuring and encouraging attributes that I really needed and wholeheartedly appreciated.

Rosemarie D. - IL

Erick provided exceptional care and customer service throughout the entire process. With each communication he made us feel his connection, his genuine care and concern as if he was a close family member. Especially, when there were bumps in the process. Erick instilled patience and hope, which was much needed as we had experienced numerous let downs over past two years. We feel truly blessed because God answered our prayers by sending us his faithful servant Erick.

Angela M. - PA

We were trying to refinance for over 5 months and we just couldn't get my fiancé’s credit score high enough to take advantage of the great rates. My loan officer stuck with us for about 6 months until we were able to pull the score up the little bit that was needed to make it a go. Most companies would have moved on, but not Reliance First Capital. Very good customer service and would highly recommend! (as posted on LendingTree.com)

Carol H. - IN

Daniel helped get the program arranged to set up my refinance. He was always polite, courteous and explained things. I really appreciated all his help. Steve took over in Daniel's absence and helped to get the loan to closing. They both did a great job!

Marc M. - CA

Daphne was absolutely wonderful to work with, I would highly recommend her to anyone I know needing mortgage assistance.

Margaret H. - PA

Allen is an asset to your organization. This is the second refinance I have done with Allen and I feel like Allen is part of the family. He is professional yet makes you feel like you have known him for years and he is the only person I will ever trust with my mortgage needs.

Tony C. - SC

Jessica kept us well informed on all parts of the mortgage.

Eileen W. - PA

Marvin went the extra mile and helped me every step of the way! He is a true professional.

Marilyn B. - NH

Matthew was very helpful and responded quickly to all of our questions.

Ralph F. - NY

James did a great job. Please thank him for us.

Patricia Y. - WA

Kevin always kept me informed of what was going on and fixed things immediately if there was a problem.

Charles S. - NJ

I dealt with Chris D. from start to finish. Everything went as promised. He kept me well informed of every step in the process. (as posted on LendingTree.com)

Terry K. - NC

EXCEPTIONAL JOB!

Eugene N. - WY

Frank provided with the best loan. A true professional in is field of service.

David F. - WY

Frank was a joy to work with. He has a great personality and was fun to work with. You can't say that about many financial transactions! He explained things so a person can understand and the process went very quickly. Thanks Frank.

Kary P. - OH

Carlton was more than just a loan guy. He was personable and friendly. I felt like he was an old friend I had known for years. He helped me calm my anxiety about the process by making me feel that I could trust your company.

Timothy H. - NJ

Chris was in constant contact with me during the entire loan process. I found him to be courteous, professional, and very informative. Chris did a great job of keeping me up to date on my application. He was professional at all times and did his best to reassure us our info would be secure.

Damien was very professional and timely in all his communications. It was a pleasure working with him on our new mortgage.

Thomas S. - PA

Dan was a great in helping me with the refi. Dan was amazing and very courteous.

Brian B. - OH

Cindy was a saint. She had to play intermediary between me and the underwriters, who in my opinion were a royal pain. But she kept her cool and kept me calm and informed throughout the entire process.

Patrick G. - LA

Cornell was very helpful through the process and my aggravation.

Brandon H. - WY

Jacqueline deserves any and all credit for taking care of our financial needs. She is without a doubt the best at her job! I can't say enough nice things about her. Wonderful, wonderful person to work with!

Larry B. - KY

Marcia Murphy was the best she took care of all our needs. (as posted on LendingTree.com)

Tammy M. - PA

Marvin picked up on my needs and provided excellent service!

Perry B. - ME

Matt very outgoing took time to explain.

Bret K. - NM

Our experience with them was great. Our loan specialist was a pleasure to work with and she was very helpful throughout the whole process. I've worked with other companies in the past, and Reliance First Capital was by far the best. I will always recommend them to any of my family or friends that need to refinance their home in the future. (as posted on LendingTree.com)

Maria G. - MD

I would like to be thankful to Daphne for the support she gave, to guide me in the right path, every time I had question it was easy to reach her, I'm so glad I meet her through the phone. From the moment we talked I had confidence she's going to help me from the beginning until the end of my refinance. And Bless Your Heart. Thank You So Very Much To All Reliance First Capital Family for being supportive for the whole process.

Shirley S. - AL

Darnice was incredible. She kept me informed as to every step of the process and shared any anticipated outcomes so I would not experience any surprises. This was a very stressful process for me and she helped to alleviate my anxieties. She was efficient, knowledgeable, and exhibited professionalism at all stages of the process. It was such a pleasure working with Darnice. She is exceptional.

Edward G. - NY

My refinance transaction with Reliance First Capital went smoothly. The process was easy; the rates were competitive. My mortgage analyst, Genie, was the best. Genie was competent, patient and professional. She kept me well informed in a timely fashion throughout the process. I would recommend, highly, working with Reliance First Capital and Genie.

Michael W. - OH

Genie responded promptly to all of our queries throughout the process and made time to speak with us at hours of our convenience.

Daniel S. - ME

James was always courteous and willing to work around my ever changing schedule.

Trevor E. - OH

The person I worked with at Reliance First Capital, John Katich, was excellent. Regular, timely and concise communication from John made this process as smooth as I believe it could have been. Highly recommended. (as posted on LendingTree.com)

Pamela M. - NC

I worked with Joseph Donahue to refinance my home. He was great, very polite, courteous, helpful and if I called him and he was unavailable to answer he responded back quickly and every time. The process was explained very well, everything was done exactly like I was told it would be and it could not have been handled more appropriately. I highly recommend this company for refinance purposes. (as posted on LendingTree.com)

Robert V. - TN

Justin was fantastic.

Fannie M. - TN

Justin was very good to me. He really helped with my loan.

Marino C. - NY

Everything went great, as Ken said it would. We saved over 300 month and closed in two weeks. We were very pleased with how quick and well the loan went.

Andrea C. - LA

Kerena exceeded my expectations. She returned my calls promptly and answered all of my questions. Kerena made this a great experience for me. She was a pleasure to work with.

Edward S. - NM

I strongly believe that Dan is a great asset to Reliance First Capital due to his thorough and diligent efforts in assisting me in processing the refinancing of our mortgage. Dan was very helpful, informative, congenial, courteous and overall a true professional. It proved to be a very pleasant experience to work with Dan and I can state this due to the experience I have had with other companies, where I have had to terminate the process due to their inability to get things done. This speaks volumes to Dan’s attitude and abilities. I know that Dan will continue to prove to be an asset to [Reliance First Capital].

Joleen B. - WY

I was very happy with the whole process with [Reliance First Capital]. I only worked with one person, which was nice, as with Quicken I was passed around to different people. Working with one gave me a much more personal experience. Dan was very good at returning calls and keeping me up to date with what was going on with my loan. If I couldn't reach him and had to leave a message he got back to me within the hour which I really liked. Even after the loan closed, there was a problem with my old mortgage company saying they did not receive the payoff, I called Dan and he got back to me with the reference # to give them. When I couldn't get anywhere with them he did a 3-way call and handled it himself. He took care of everything making it so easy, even though he was done with his obligation at that point. He went above and beyond and I was very pleased.

Kimberley T. - PA

Dan Johnson, the representative who assisted me in obtaining a HARP 2 refinance on my mortgage, was very knowledgeable and personable; he kept me apprised of the status of the proceedings and was very responsive to my numerous questions. It was a pleasure working with him, and I would recommend his services to anyone. I know first-hand that there is a great deal of misunderstanding and misinformation out there amongst refinance professionals regarding the HARP 2 program. Dan's knowledge and experience caused me to choose to work with Reliance First Capital over others with lesser fees and closing costs. Dan earned my trust, and my trust was not misplaced. (as posted on LendingTree.com)

Diane M. - NY

Sash was beyond helpful, he is an asset to your company and should be commended!

Kelly V. - LA

Just thank you, is all that is needed!

Elizabeth S. - AL

Tom did an excellent job keeping me informed. He was professional and courteous.

Kathleen H. - NY

I recently had the pleasure of working with Dan Benigno of Reliance First Capital on a home refinance. I initially spoke with Dan for the simple fact that he sounded like a person and not a robot. He told me right from the beginning that the process would be quick and easy and lo and behold it was! Dan was honest, personable, professional and informative. He answered all questions and was available by phone or email consistently throughout the process. Great customer service, I believe he actually cared about finding the best arrangement for us. Highly recommended. (as posted on LendingTree.com)

Thomas S. - NY

Very good experience, David Singer did a great job for us!!

Juan Q. - NY

Erick was very professional with me He explained everything really clear and very easy for me to understand.

Steven S. - NY

I was very pleased with the quick turnaround and ease of closing my loan with Reliance First Capital. Greg Bellezza was very professional and kept me up to date on a daily basis. The day after my loan was approved, we had the closing at my house. It doesn't get easier than that. I highly recommend him to handle anyone's mortgage needs.

David B. - WA

Gregory was helpful, personable, and efficient in all our dealings. At the end of the process of our refinancing I felt like I had made a friend. I would not hesitate to recommend him and your company to anyone I know. Well done!!

Sharon K. - OH

John was professional and persistent at coming up with an appropriate package for a complex case.

Stephen S. - CT

I must say here that [Joseph] work so diligently in selecting the right program for us, was so technically adept, and took such a day-to-day interest in keeping us informed during the process in that we came to trust him so much more than any financial person or banker that we've ever worked with during the 38 years of our marriage. That period included loans for a cooperative apartment, college loans, our first mortgage, various investments, and a refinance to a lower mortgage rate. Thanks again.

Darrin M. - KY

Laura Samples was the only mortgage analyst that opened my eyes and gave me hope of refinancing with a better rate giving my family and me "financial peace" that other mortgage companies (Quicken, Guardian bank, etc) could not provide. Laura kept me focused on what I can do opposed to what I can’t do during the whole loan process. And with her help and Guidance I was able to get a much better rate than I imagined. Laura truly enjoys her work. She loves to be the bearer of good news and works hard and creatively to be able to deliver better than I expected good news. I feel very lucky that I was able to work with Laura and will continue my business with Laura and Reliance First Capital. The only problem I have is Laura set the customer service bar too high. Now I'm spoiled. Thanks!

Andrea O. - NY

This is a letter to commend Gregory for his exceptional customer service. I refinanced a loan through your company in September 2012. From the time I was contacted through the end of the process he was nothing but professional. His upbeat, friendly personality was always a bright spot to an otherwise stressful process. Since my refinance I have had the need to contact him regarding the purchase of a new property. Although he is not licensed in the state, he nonetheless has availed himself to me when necessary. I feel comfortable with him and Reliance First Capital and would recommend to all persons I know. Greg is an asset to your company and should be rewarded in some way. It is seldom in today’s workforce that a dedicated personable employee is found. You have this in Greg.

Allen B. - OH

John provided service far and above my expectations.

Marilyn D. - OH

I was skeptical at first, just using a company over the internet! But Ken (Mortgage Analyst) and his manager Matt were great, and didn't give up when the appraisal came back low (which isn't their fault). They still worked with me and got me a loan I can live with.

Joseph P. - IN

Joseph was very personable. No stress, no hanging in the air waiting or wondering what can or will go wrong. More companies should seek agents like Joe.

Steven S. - WY

Ken did an outstanding job allowing us to obtain a Streamline loan saving us close to $300 a month and knocking 5 years off the length of our loan despite a foreclosure in our history less than 3 years ago! I would highly recommend speaking with him whatever your situation may be.

Michael F. - AL

Kevin really worked hard on my home loan and I would highly and graciously recommend him to anyone needing help on purchasing a home.

Gregory B. - ME

I refinanced with a VA loan. At first, due to a low appraisal it looked like we couldn't do it. My loan officer, Lisa didn't give up and kept me in mind when the VA changed their loan to value percentage from 90 to 100%. That made the difference for us and allowed us to close on our loan from the comfort of home. (as posted on LendingTree.com)

Tammy T. - SC

Mike and Toi (especially Toi) went above and beyond to make sure my refinance was a smooth process. I would highly recommend them both. Maybe Toi just a little more than Mike though. I will miss abusing Mike on a daily basis. It was the highlight of my day. I've never enjoyed a refinance as much as this one.

John K. - NC

Ramsey communicated clearly. He worked with us to find the best product. He checked in to let us know what was happening. He left us his cell phone number to call if we had questions during closing. I can't say enough good things about Ramsey. If he isn't typical of your staff, he should be managing your staff and teaching them how to work with clients the way he worked with us. Between my husband and me, we've purchased over 15 homes. Ramsey is by far the best mortgage broker we've experienced.

Gregory O. - NC

Regan did an outstanding job with finding me a much lower rate for my mortgage. The whole process went very well and he did an excellent job.

Linda C. - MD

Sandy was very professional and knowledgeable and made us feel like we were her only customers.

Margaret S. - PA

Eileen and Terrance kept us informed at all times, explained the process and were very professional and courteous.

Sue U. - PA

[Felicia,] I am so sorry it has taken me so long to get in touch with you - my days have been crazy hectic. Nevertheless, I want to report that since our refinancing finally went through we are starting to get financially straightened out. We had the opportunity to sign up for the bimonthly payment plan for our mortgage which will not only save us money but also take some years off as well - I am really excited about that!! I want to take this time to thank you for all of your help and hard work so that we were able to refinance our mortgage. It is amazing that in such a short time we have already realized some flexibility with our "usable" money and have been able to make it work for us a lot better. I hope in a few years we will be able to have more breathing room and get our finances completely manageable. It was really difficult to take the first step in trying to fix our finances; I must have had a dozen messages concerning rates. Lucky for me I chose to call you back!! You not only took care of the "business" of refinancing you also made me very comfortable in facing the dismal reality while giving me hope that you could help us make all of this happen - GO TEAM FELICIA!!!! I can't thank you enough!

Rebecca N. - PA

Gregory [was] very informative and caring for the business.

Donald P. - PA

Chad made the entire process smooth and easy.

Genevieve B. - SC

Charles did an excellent job! He made the process of refinancing our home while my husband is deployed extremely easy.

Ruth B. - AL

Cherard was exceptionally patient and kind with everything and returned my call quickly. He was always pleasant even though there may have been a problem but we worked on it until it was completed.

Joe G. - SC

I had a great experience with Reliance First Capital. Everything went smoothly and quickly. First time I got a loan without going to my bank and I'm extremely happy with the decision. (as posted on LendingTree.com)

William C. - PA

Genie made the whole process great.

Robert C. - NY

My entire RFC mortgage team was outstanding! Greg helped me maintain a positive mental attitude while keeping everything moving toward a successful close. Cari was a star at keeping all third-party information coming in (VOEs, insurance binder, etc.) to make sure my file was complete for a successful underwriting. Michelle introduced me to RFC over two years ago and over that time, patiently educated me on the FHA process until my current lease expired. Additionally, Michelle provided excellent managerial oversight of the entire RFC team for my benefit. Thank you Greg, Cari, and Michelle for your tireless professionalism and dedication to meeting my specific needs.

Matthew L. - PA

Marvin was extremely proactive and responsive throughout the process. I have a very busy schedule that stalled the process, and Marvin did a great job keeping things moving forward.

Melissa C. - PA

My husband and I recently decided to look into refinancing our mortgage. I saw that one of my friends on Facebook had posted a message about contacting him to see about lowering your interest rate/monthly mortgage payment. I contacted Randy who works at Reliance First Capital. Once I contacted him, Randy handled everything for us. He first asked what our current situation was and he gathered our information to see if we qualified for a refinance. Randy came back the same day saying that we did in fact qualify for a VA program and it would save us a lot of money. Our original interest rate was 6.25% and Randy, along with Reliance First Capital, was able to get us a fixed rate of 3.5%, and lowered our monthly payment by $260.00! Randy walked us through the entire process and we never even had to leave the house. Randy advised us of what we needed to send to him and he handled everything quickly and efficiently online. He was also able to get us some extra money with the equity in our house. The entire process was quick and easy, with much thanks to Randy. He handled everything for us and answered all of our questions. Once we got the process started, it only took us a little over a month to get everything squared away and closed on a new mortgage, with a new interest rate – which will save us money in the long run. If you are looking to refinance your mortgage, I believe that Reliance First Capital and Randy can assist you in finding what is right for your situation.

Nina S. - CT

Robert [provided] extraordinary service and great follow up on all matters. Flexible in meeting my needs.

Beth H. - PA

My husband and I just closed on the refinance of our home. So this was not the first time going through the closing proccess. It was however just a great experiance. I happened to work with Sandra Bruno, who made the proccess, with all these new goverment regulations very painless. She knew her stuff and got it done for us quickly. So thumbs up for Reliance First Capital and for Sandra.

Phyllis B. - LA

Tavaris kept me well informed and was courteous, honest, and very professional.

Karen B. - NC

Mia is an excellent [Mortgage Analyst] willing to provide superior customer service, supported by a thorough knowledge of today's demanding residential real estate quagmire. She handled my loan from day one to backing off the initial deal, then reopening negotiations at my request, and taking it to closing. I can sincerely give Mia an A for her work performance.

Victor R. - TN

Regan Rutledge was very professional, willing to answer all of our questions, and walked us through the various refinance options to help us decide. Reliance First Capital's good faith estimate was pretty close and there were never any surprises. Communication throughout the process was great and everything was processed expeditiously. The loan was funded in just under three weeks. (as posted on LendingTree.com)

Duane M. - PA

Overall pleasant experience. RK was very professional and kept us up to date through the process. Reviewed all information with us and answered our questions. Delivered the rate as promised. Process was completed in a timely manner. Would recommend. (as posted on LendingTree.com)

Jeff and Marylou P. - OH

Cal and Issa, Jeff and I would like to sincerely thank you both for the efficient and concentrated effort you both put out to make our loan with Reliance First Capital such a pleasant experience. You both mad this happen in such as short time. Our communication with both of you throughout this entire transaction from beginning to end always made us feel you were looking out for our interest. You were always available and got back to us in good timing. All our questions were handled professionally and we appreciated your efforts to keep us informed during each phase of the process to acquire this loan. We would without hesitation recommend [Reliance First Capital] and both of you to anyone seeking a loan. Thank you again for your service to us.

Michael L. - CT

Mellissa worked very diligently to design a loan that fit my needs and explained all the options available. When the first loan didn't get approved, she quickly designed another one that was approved. She kept me informed every step of the way and made me feel like she really cared. She showed that she isn't just doing a job, but genuinely cares about her clients. [Her manager] Michelle stepped in and helped resolve concerns with the loan while Mellissa was away.

Gale F. - PA

Mike was my best friend through this process, by my side every inch of the way. Couldn't have asked for a better experience!

Dorothy S. - SC

Regan always took the extra step in assisting me. Called, emailed etc when he said he would, He was patient and offered ideas that might make things easier for me. I felt that he always had my best interest at heart.

Louis S. - AR

Shawn was most helpful and seemed to be trying to expedite our loan.

James C. - LA

Start to finish, Tavaris was very helpful, above expectations.

Ferris L. - NC

Charles helped me with my loan from beginning to end. He was helpful, patient, kind as well as being extremely professional. He made sure that everything would progress in a smooth and timely manner. I will definite recommend Charles to anyone who needs to get a loan.

Kathleen F. - NC

Greg was GREAT!

Aaron F. - TN

Justin is an outstanding employee and [Reliance First Capital] should be grateful to have him in on staff.

Adam H. - WY

Jacqueline really went above and beyond -- frequently returning calls well outside of work hours, going over questions repeatedly until things were clear to me, and being entirely friendly and professional throughout. Another bank offered me a slightly cheaper refinance, but I went with Reliance entirely because of the quality of customer service Jacqueline provided.

Jason S. - SC

Tom Denton was a very good [Mortgage Analyst]. He gave me plenty of options and gave great customer service.

(as posted on LendingTree.com)

Stephen C. - PA

Laurie was exceptional and helped me throughout the whole process I would recomend Laurie to anyone looking to refiance.

Bradley K. - SC

Nick is the "Chuck Norris" of the loan process.

Kimberly L. - CT

Robert was always there to answer any questions or phone calls.

David P. - NY

Roseann was the most professional and fun person I have ever dealt with for any financial purpose.

Charles G. - MD

Christopher was always available and willing to help throughout the process. As we had a deadline because of a trip he worked hard to complete the process very quickly.

Rhonda E. - SC

I am a person that rarely does business via internet or phone. Cornell...gained my trust and made sure that everything was handled professionally. I must say that all of our communication was done while I had and recovered from surgery. He had to be extremely patient with me getting the information to him while on bed rest. I appreciate his continued communication and support during this loan refinance.

Judith R. - NC

I work as a disaster reservist for the Federal Emergency Management Agency and had to deploy on the Saturday before the closing with only 24 hours to get to Mississippi from my home in NC. Needless to say this created some challenges in terms of getting funds moved, having to do a split closing at the last minute and all the logistics issues that go with these last minute changes to plans. Ed did an outstanding job of keeping me informed and helping overcome some problems with the wire transfer and other details.

Bruce G. - NY

Jim Heisser from Reliance First Capital went out of his way to make my refi work. He and his team made this happen even with all the odds stacked against it. Excellent work and much appreciate. (as posted on LendingTree.com)

John D. - TN

Justin was very personable and easy to work with. He was on point with many suggestions and guided us through some difficult choices, always allowing us to move forward with our choice...not the company's. Our refi had to be reworked a few times, through no fault of Justin, but he handled each change great. Even with having to change up a few times, our refi from start to finish took less time than our last refi, without issues.

Dawn C. - ME

Ken did an excellent job. Very easy to deal with, friendly and called almost daily through the process to keep me informed.

Brian F. - NY

Ken was great in helping me with the refinance; courteous, professional, helpful and friendly, great guy! A+, Ken was awesome!

Phillip M. - TN

Marcia is a very special employee. I connected with her very quickly and she was the main reason we considered funding our loan with your company. It's very rare to find a person this invested in the personal part of business-can't say enough good things about her!

Arinetta U. - TN

Although I began the process with Kody (he was excellent), I spent the majority of time with Mia who did indeed provide exceptional customer service! I was very pleased with her from beginning to the end! You have an awesome employee!

Lenora D. - OH

Mike made things easy to understand and went out of his way to help. [He} explained things in a way that your everyday person could understand. There were a few problems and he talked me into not giving up. I felt like I was talking to a friend.

Richard S. - NC

It was unfortunate my loan actually took almost 7 months to get done but it was because of the unique situation we found ourselves in. Guided by Nick we navigated the very complex terrain to successfully completing our goal. I do not believe any other broker or agency would have worked as hard for us as Nick Gretka did. We greatly appreciate and value everything he has done for us and have recommended him by name to all our friends, family and associates.

Richard L. - MD

Second loan through [Sabra]. Each was quick and easy and helped out our finances. Nice lady!

Donna B. - OH

Just wanted to let you know what a great experience we have had with working with Tavaris. We inquired via Lending Tree and received emails and voicemails from five different companies. It was very clear to my husband and me when we heard Tavaris’ voice mails that he was the one we wanted to work with on this refinance. He was the only one of the five that encouraged us to call him so he could find out more about our situation and then determine the best product to meet our needs. This was exactly what we wanted. I just want to tell you that both my husband and I have enjoyed working with him so much and nothing could have made the experience better than what it was. You’ve got a gem in Tavaris and we felt like it was important to let you know. I rarely recommend a business and/or person to work with, but I’ve already forwarded Tavaris’ contact information to a friend of mine at work who might want to refinance her home.

Rachael P. - LA

Tina was very helpful and answered all my questions. She was in constant contact letting me know the status of my loan.

Lillian Y. - CA

Toi was so helpful in helping me understand the refi process and the necessary steps I would go through. She was always very professional, courteous and outright made me feel very comfortable with the financial decisions I was making. I know she is a great asset to your team! I felt like I was speaking to one of my close friends that I referred her to my sister who is also using her services! A big THANK YOU and HUG to Toi!

Scott F. - NC

Walter is the best Mortgage Analyst I have ever worked with. He is professional, knowledgeable, courteous, and was exceptional throughout the entire loan process.

Brian E. - OH

Ryan Kearney at Reliance First Capital was an amazing help when it came time to refinance my home mortgage. His knowledge and willingness to help me find the best possible program was without a doubt the best service I could have hoped for. His responsiveness and commitment to making sure I was happy was incredible. I highly recommend Ryan Kearney and Reliance First Capital. (as posted on LendingTree.com)

Shane S. - AL

Tom kept me informed throughout the process and made any problems easier to deal with.

Fran B. - PA

Laurie spent a lot of time on the phone reassuring me about the mortgage process and had quite a lot of patience with me. I like the fact I liked that the title closer came to me! First ever for me and I've refinanced a few times. Kudos to your company for that.

Karl H. - NJ

Laurie was most helpful in guiding us through all phases of the loan process. She called frequently with updates and was always available to answer any questions or help get us through the application process.

William M. - OH

Maja was the best. What she told me was the way it happened.

Kevin C. - SC

Miles was very personable and easy to talk to.

Brittany W. - NC

Nick was fantastic.

Nancy M. - NY

Roseann went above and beyond. Had problems on our end getting all the paperwork in place on time and she made things happen. We closed much sooner than I expected. She was very helpful throughout the entire process.

Carolyn and Yair D. - NY

Thanks David. We are very excited! We are not overstating things when we say that it will be a life-changer for us and give us greater security later in our years of retirement. You have been extraordinarily helpful and attentive and we are very happy to have worked with you. We will let you know how it goes. Take care.

Emilie C. - NH

David, thank you so much for your hard work on our behalf -- we know you had to be creative and we greatly appreciate it! The savings will be a huge help to us.

Alexander V. - OH

Allan did a great job keeping me updated especially during the holiday season.

Linda C. - NY

Jacqueline went out of her way to help me. I had an unusual situation, but she made sure, I got through it. You have a very caring and dedicated employee and I'm so thankful I got connected with her.

Nikke R. - PA

Your services is PERFECT!!! Thanks. Special Thank you very much and highest appreciate for Allen Pesci..... He's awesome and wonderful Man........ I'm very glad and proud of his services, professionally, and very quick... Allen makes our dream come true ONLY IN 8 WORKS DAYS...once again, MILLION THANK YOU for Allen

Sarah R. - PA

Amy was truly professional and a pleasure to deal with. She went out of her way on off hours to answer and deal with any issues or questions we had. AAAAA+++++++++++

Brett W. - AR

Brendhan, Thanks so much. It has been a pleasure. The closing was a breeze. Your name will be the first to be thrown out to anyone I know looking to refinance.

Neal D. - KY

Reliance was very responsive. They only issue was a change in the lender credit during the review process. This resulted in a slightly higher interest rate for a zero point loan. Overall this was a good experience. Our lender Ed is highly recommended. (as posted on LendingTree.com)

Ross B. - NC

Joseph went above and beyond when working through our refi. He ALWAYS kept me updated on the status of the loan process and provided me expectations on the next steps in the process. I never felt like I was in the dark during any part of the process. You guys have a great employee in Joseph.

Dennis P. - PA

Kaima was always pleasant, informative and professional.

John W. - PA

Marvin went above and beyond to help us refinance our mortgage into affordable payments, and to even make the refinance itself affordable. He made us feel at ease during the whole process and that is saying a lot, after what we've been through in the past. When he first called I (Rose) was totally against a refinance. But Marvin took the time to talk to me, explain things and answer all my questions. So I agreed to go ahead with the refinance. There was a lot of care taken to help us through every aspect and to make sure we felt at ease during each step. That extra personal touch to help ease our minds really meant a lot. I wouldn't hesitate to recommend him (and Reliance) to anyone that was looking to refinance or even finance their first home.

Margaret H. - AL

Renee was the young lady who handled my loan. She does a great job because she is prepared and she knows her job. She kept me informed every step of the way. She made herself available if I ever had additional questions. I learned a lot through this process thanks to her! Thank you so much Renee!!!!!!!

William B. - PA

I had the pleasure of working with Chris as my Mortgage Analyst. He was very up front and made the process straight forward. With 15 years' experience he was (is) seasoned enough to handle the different scenarios that did come up. Being able to explain in "layman's " terms the various issues were a great asset. He made the entire procedure very clear, brief and concise. In today's environment with all the exogenous variables out there that is important. Finally, Chris's integrity was of utmost importance. A job well done!

Denise D. - PA

If Reliance First Capital has more mortgage analyst as wonderful as Genie then the company has nothing to worry about.

Ramon B. - OH

Sean paid attention to my needs and found a program that worked for me.

Sam F. - TN

Thanks to Robert everything went smoothly during the process. Most companies I have dealt with you had to go back and forth with the process. Not with Robert, it was a very smooth transaction.

Celeste V. - PA

Cindy was very helpful with my refinance and helped me navigate the additional issues that came up due my being in the process of a divorce.

James S. - PA

Mike was very understanding and you could tell he has a lot of time and experience in this field. He was the reason I followed through with Reliance First Capital. Loan officers from Wells Fargo and Quicken could not carry his water.

Irene K. - NJ

Cullen was great and made the whole experience painless.

Kevin L. - NH

I had Ken Watson as my mortgage specialist to get me through all the hoops as they say. Well, luckily Ken did all the legwork for that and helped make the process extremely easy compared to the other lenders I had been trying to work with in the months prior. A+ to Reliance and Ken and team! (as posted on LendingTree.com)

Robert H. - PA

Lending Tree connected me with Amy Wagner and it was pretty much heaven from there on in. She was both professional and personal to the level of perfection. I wouldn't want to work with any other sales manager or company. A refreshing standard of Excellence ! (as posted on LendingTree.com)

Patricia S. - ME

Maja provided exceptional service from start to finish. She helped us work through credit issues and needed documentation. She calmly help me through the process when my nerves got the best of me. She is certainly an asset to your company. It has been a pleasure for us to work with Maja.

Karen T. - MD

I am very happy that Ken Watson from Reliance First Capital was my loan specialist. We did not have the best credit and with his untiring help, we were finally able to settle on our refinance. I would recommend him to anyone that wants to refinance. Great Job, Ken and I will definitely let everyone that I know about you and your company. (as posted on LendingTree.com)

Joan C. - NY

Roseann DeSantis was professional and very helpful. [She] always returned phone calls in a timely manner.

At this time I do not know anyone that is ready to refinance or anyone that is ready to buy a new home. I will be sure to recommend Roseann and Reliance First Capital in the future.

Percy J. - NY

Dan [is a] great guy, kept me well informed and a hard worker.

Deborah H. - MD

John was excellent.

Charles B. - IN

Joe was very, very helpful during entire process and I would recommend Joe and Reliance First Capital to anyone in need of this kind of service... Joe excels in his field with customer service..... Thanks again Joe...

Karen M. - SC

A big THANKS to Ed, he kept me in tone to all the steps needed and I will tell all my friends and family to contact him for all their home loan needs. Thanks.

Melynda C. - IN

Thank you for working with us on the closing amount. We were told several different amounts and it was still 200 more then we wanted to pay!! We could have went with another company and someone local but York was so personable that he made us want to work with your company despite the better rates and lower fees at closing.

Joseph T. - IN

Phil was great to work with. I thank the whole staff at first (as posted on LendingTree.com) for a job well done.

Judy H. - KY

This is, by far, the most efficient company I've ever dealt with.

Frederick D. - PA

Anthony was always at our side if we needed anything, nothing was ever a challenge.

Jennifer H. - OH

Once Hankins identified which companies were using undesirable tactics, she was able to narrow down her search for the right lender. When she found Michael Mucciarone, a representative from Reliance First Capital, she says he was like a breath of fresh air.

Peters was looking to combine his first mortgage and a high-interest second mortgage to lower his monthly payment. However, after running into significant roadblocks with his local bank, he was left with few answers and little help in completing the refinance process. Then, he came to Reliance First Capital. Mortgage analyst Dan Stout not only helped him with his mortgage but also became his friend along the way.

Gayle sent me detailed information and her bio, let me know about her company, and like a good lender should, made herself available to me. We talked daily, and Gayle made the process painless — we closed in about a month. I've sent her many referrals since!”

Marcia Murphy was awesome.. Very personable, always called right back if I had to leave a message. Available anytime. Working with Marcia was more like working with a friend. Would definitely recommend her to anyone wanting to refinance. (as posted on LendingTree.com)

Phillip H. - TN

Richard kept me informed and took his time explaining all the options that I had. I will recommend Reliance First Capital to my family and friends.

John S. - PA

What can I say everything went great Reliance is a professional courteous Company to deal with. (as posted on LendingTree.com)

Tim M. - KY

Kody was an excellent representative for your company. He was very knowledgeable and able to explain anything I had a question about until I understood the answer. He always returned my calls in a reasonable amount of time and was readily accessible if a problem arose. I felt very comfortable talking with him and dealing with this loan process. He constantly kept me informed of where we were and what needed to be done next either on my end or yours. It was a great experience and I recommended Kody to several friends!

Charlezetta E. - IN

James was very, very, very helpful to me. He is a man who really exceeded my expectations. I will never forget this man, ever!! My GOD bless your company. I will call Reliance First Capital in the future if I need to again. Thank You All very much.

Robbie S. - IN

Shawn was great to work with.

Rebecca W. - SC

Alex was great!

Laura W. - NC

Nick always called and let me know how the loan process was going. Responded back to any emails or phone calls quickly. Always answered my questions honestly.

Jacqueline M. - NY

David was excellent to work with and did an exceptional job.

Tim M. - KY

Kody was an excellent representative for your company. He was very knowledgeable and able to explain anything I had a question about until I understood the answer. He always returned my calls in a reasonable amount of time and was readily accessible if a problem arose. I felt very comfortable talking with him and dealing with this loan process. He constantly kept me informed of where we were and what needed to be done next either on my end or yours. It was a great experience and I recommended Kody to several friends!

Ame V. - CA

Scott was very helpful in explaining everything to me as it all feels like a foreign language. He was patient and broke it down so I could understand. Also, the gentleman in Los Angeles who brought the documents to me for me to sign was helpful, willing to accommodate my schedule and very nice.

Cory G. - LA

Tina was very personable, extremely understanding, and professional. She's the reason we chose [Reliance First Capital].

Joseph T. - NY

Roseann [is an] excellent rep.

Jose M. - CA

I am glad work continued despite setbacks that occurred from Hurricane Sandy. You continued on in a professional manner though there were some hardships. Thank you.

Jennifer B. - NY

This is the third refi I have done in the last 10 years and it was by far the best experience I have had. Jim from Reliance First Capital was a pleasure to deal with. He was friendly, courteous, honest, and responsive. (as posted on LendingTree.com)

Joanne C. - CT

My refinance with Reliance First Capital went so well that I have been telling everyone about it. Phyllis Zanichkowsky was there answering all my questions even AFTER the closing was scheduled. She walked me through everything, found me the best deal, and was in constant touch through email and phone calls. It all took place in the timeframe she said it would. The only surprise was a pleasant one of getting back more money than expected. Phyllis even answered a question for me weeks after the closing-she actually emailed me while she was on vacation for Thanksgiving. Now that is excellent customer service. Thank you, Phyllis! I hope to work with you again! (as posted on LendingTree.com)

Ronald B. - TN

Rick was my Mortgage Analyst, and it was an absolute pleasure to work with him. He promptly followed up to provide the initial quote, and he didn't pressure me while I reviewed quotes from other institutions. Once we began working together, Rick was always available by telephone and email, and he took the time to clearly explain the various loan options and the loan process. My loan paperwork was a bit involved (complicated) because I have 10 investment houses, I was refinancing a construction loan on my primary residence and I had to obtain a one-time restoration of my VA eligibility. But Rick didn't seem to be the least bit daunted. He knew exactly what needed to be done to make the loan process go efficiently, quickly and smoothly. I cannot speak highly enough of Rick. I have closed nearly two dozen loan transactions over the years. And Rick was the most knowledgeable, professional, thorough, and courteous Mortgage Analyst with whom I have EVER worked. If I had to give him a grade, it would definitely be an A+. Thanks, Rick and Reliance First Capital, for a wonderful experience!

Casey D. - NY

Everything went extremely well. I would highly recommend Greg to anyone that is considering refinancing.

Carole S. - IN

David made me feel that I was a valued customer. I appreciated that he always gave me straightforward and comprehensive information. David consistently answered my questions and whenever he requested information or documents, he followed up immediately. He always thanked me for providing documents and information.

Donald J. - AR

Allen was exceptionally helpful and knowledgeable, he assisted me with the knowledge I lacked and if I ever refinance again I hope it is with someone like him.

Joaquin G. - WA

Veronica was the person who contacted us about a refinance home loan. She was very informative about the loan and had a great attitude. Thomas was also great in informing us what we needed for the loan to get processed. He kept close contact with us with daily phone calls on the update of the loan. He had an awesome attitude and a great spirit. We are so happy that Reliance First Capital was able to help us get a great refinance loan.

Thomas J. - PA

I have completed around 3 mortgages so far. And this time was the best thanks to Sandra. I cannot think of anything she could have done better. The one thing that sticks out was her communication I was never in the dark she kept me informed through the loan process. I will use Reliance First Capital again because of her, she made the difference. Thanks Sandra!

Michael O. - ME

Steven was excellent at always keeping me informed on what was happening and even gave me other numbers in case I had questions when he was not around. Also his supervisor called us and left his contact information in case we wanted to question him. I found this very comforting.

Michael R. - SC

Jessica did a wonderful job with my loan!!!

Andrew S. - OH

Working with Greg was very good. It wasn't a day or 2 that would pass without him emailing, texting or calling me.

Joab D. - SC

Nick was one of the most exceptional people to work with. He was very quick at responding to all phone calls and emails. I would refer anyone if my friends to work with him in any refinancing....

Timothy S. - NC

Nichole was great to work with and very knowledgeable. Very nice person!

Frederick H. - NM

My main concern going into this was not being able to contact my loan officer enough to get this done. Boy was I wrong. The agent assigned to me called me every day and updated me and told me what was needed. Having a scanner ready to scan docs to them asap made it even easier. I was able to get enough money out to pay off bills and refi at a great rate. They also gave me options that best suited me. Great experience and I'm not one to give compliments easy. Thanks. (as posted on LendingTree.com)

Mike and Susan O. - ME

I just wanted to send a quick note to thank you for all the work you did helping us get our new mortgage. I appreciate the fact that you would routinely call and/or e-mail us so that we could be constantly aware of where we were in the process. I also appreciate that your supervisor made a point of contacting us so that we would have his contact information in case we had questions that you could not answer. Although this never did happen it is comforting to know that we did have that option. Your company, Reliance First Capital, was great to work with as they offered competitive rates that could beat any in the area while also making it an easy stress free process. From the ease of talking to you all the way to the professionalism of the people you hire to assess the home to finally the person who came and did the actual closing in my own home everything went smooth and trouble free. So once again thank you for all your work on this and please enjoy the holidays!

Michael R. - SC

Jessica did a wonderful job with my loan!!!

Jennifer B. - NY

Jim was amazing to deal. He was courteous, honest, and very responsive.

Virginia S. - TN

Kerena promptly answered questions. Always pleasant.

Jeffrey R. - SC

Miles went above and beyond! He was very easy to speak to and answered all of my (many) questions expediently. I will be sending anyone I know that may refi straight to Miles. Thanks Again!

Karol B. - NC

Robert went beyond the call of duty. Let us know what was going to take place then what would be next. Thank you.

Jacques B. - NM

Ed provided more than great service. I was very impressed with him getting me in the know so often. Very thorough and great to work with.

Andrew W. - SC

Marcia was amazing to work with. She kept us well informed throughout the process and gave us tips on other ways to save financially that will help us meet our overall goal.

William H. - SC

Miles and his staff kept us so thoroughly informed, they even called over the Thanksgiving Holiday. WOW

Terry H. - NC

I am somewhat of a pain to work with but Sabra kept me happy and she stayed on top of things.

Mark C. - ME

Greg did a great job facilitating our refinance.

Lester L. - PA

Thomas was very informative and knowledgeable.

Jeffrey R. - SC

Miles was amazing! My husband did most of the communicating with him, but every day, my husband would tell me about all the conversations they had. Miles kept us informed (well informed) of what was going on and timelines. He was not only professional but personal. Please thank him for us!

Jessy J. - TN

Benjamin was great to deal with and amazing with explaining step by step throughout the loan process - he's just great.

Nimmi S. - OR

I will be referring a family member to Daniel.

Rebecca M. - OH

Greg was friendly, punctual and knowledgeable. He was on the ball and responsive whenever he was needed.

Jane B. - PA

Maja called daily with updates to our loan process. Explained in detail what was expected of us with regard to information and statements that would be required. Reassured us during the process that this was information that was routinely required by Reliance First Capital. She also called last evening to be sure that our settlement went smoothly, which it did.

Richard D. - AL

Thomas provided excellent service. He was always courteous and responded back quickly.

Linda M. - NH

Exceptional people and service.... Quickest I have closed a refi in my 63 years - GREAT JOB!!!!!!

Donald O. - PA

Sandra did a fabulous job in working through several issues with the Title Company.

Louis F. - NY

Jim was very knowledgeable and professional about the products offered by Reliance First Capital. Thank you Jim.

Holly B. - ME

Anthony served as an outstanding mortgage analyst and exceeded our expectations on every level. This transaction is the tenth mortgage closing in my lifetime and was far and away the best.

Cindy C. - NC

I have already recommended [Jon] to three other friends!

Julienne S. - AR

When I had questions and it was after hours, Joe called me on his personal time from his personal cell just to make sure we were at ease and our questions were answered. To Joe, this isn't just about making a living....it's about making a difference in the lives of people who wish to refinance and find the program to meet their financial needs. Joe truly has a passion for helping people. I can't say enough about Joe, and we intend to make referrals to Joe and to Reliance First Capital, as well as, use Reliance First Capital in the future should a need arise. I have Joe's contact information and will be providing referral's as often as I can for Joe and Reliance First Capital. You have a real asset by having Joe. A lot of the younger agents could learn a lot from Joe. Thanks so much! And thank you Joe!

Antonio and Alicia V. - CA

My wife and I would like to thank Phyllis for her hard work, professional and honest attitude that made possible for us to meet our financial needs and finally being able to refinance our home. Thanks Phyllis, if we ever come up with the need for another financial situation, I have your name and phone number, also, I will recommend anyone to give you a call; because is very simple....you are the best.

David M. - NC

Robert did an amazing job during the entire process.

Jane B. - NH

Tim kept me at ease as the last time I went thru this process it was a nightmare.

Jean T. - MD

Ed was a very helpful and informative person to work with. He took the time to answer all of my questions and concerns and then some! I was very nervous to do this, but Ed placed everything in the black and white for me. I never felt pushed or hurried, which was a nice feeling, unlike what I had experienced from several other companies out there. Thanks to everyone who helped make this transaction go smoothly! Special thanks to Ed for always working with my crazy work/sleep schedule!

James S. - WY

We worked with Phyllis during the refinance process. First of all, this refinance was absolutely a breeze compared to the other two or three we have done in the past. They all became a nightmare and we were wary of having to go thru it all again. Now, we are so glad we did! As for working with Phyllis... she was a delight! I really mean that. She was so friendly and personable, so easy to talk to and she seemed sincerely interested in US. She was always instilling confidence and encouragement. Personable and friendly without ever losing her professionalism. We've been very impressed with her and we are very happy for the opportunity to share this with you.

Arleen T. - PA

Ron is an excellent asset to your corporation. He is very personable, professional, and knowledgeable which is a wonderful combination.

Warren B. - LA

Amanda informed constantly what was going on. She was a very informative person to work with.

Gary H. - AR

Gary escorted our refi through the process, removing and climbing over the obstacles that always come up. His persistence in the process helped us successfully refi our mortgage, even without the best credit history.

Mary G. - AL

Raemi stuck with us even though we had some unusual circumstances surrounding our loan. She helped us get through a difficult situation and close the loan.

Willis M. - TN

Wade explained procedures well, very professional, courteous and considerate and made every effort to answer questions we asked.

Linda L. - PA

Daniel helped me through a few "bumps" and made it easier for me to do this process on my own.

Glenda C. - AL

I was treated with friendliness and respect in every contact I had with Nick Gretka. We did everything by phone and email. (as posted on LendingTree.com)

Linda M. - WA

Genie was our Mortgage Analyst. She was great to work with! I feel like I have a friend who cares about what happens!

Kenneth S. - KY

I enjoyed my refi process with Reliance. From the beginning I was placed with a loan professional that guided me through the whole process and kept in contact with me throughout. They gave me a rate that was the best I could find in the market right now. The closing costs were also very good. They are a good company to work with. (as posted on LendingTree.com)

Kevin and Linda M. - NH

Hi Mike

Daniel knows this, but you may not. I am 63 years young & Old School. If I ask a question, not only am I looking for an answer, BUT the right answer even if it's not what I want to hear. With that being said.......Just wanted to let you know about the refi... Daniel is a keeper. Fastest refi we have ever done. He not only relayed to us everything the credit coach was telling him, he also got everything done AND on the money as far as the payment and exactly what it would be. He did an outstanding job, AND followed up after the closing to ensure everything went well. Due to his unbelievable speed and accuracy, (I asked if we could get it done before Thanksgiving) he said he would do his best, I have a couple of folks that will be calling him to talk refi as well.

Hope you have a Great Thanksgiving, because Linda & I will (we closed today and everything was perfect).

Thanks to you and your team.... GREAT job........

Orlen M. - TN

I would highly recommend [Nick] to anyone looking for a refi. He was very professional and guided us through the process. The whole loan process was much easier than I thought it would be. Thank you.

Anthony M. - AL

The Reliance agent Adam Williams worked with me and customized a 15 year refi that fit my goals. I ended up with a great rate of 2.99%. Things got a little stressful a few times like they do during the process but great communication was always there to ease my mind. Adam was always easy to get in touch with and keep me up to date. A+ (as posted on LendingTree.com)

John G. - NY

Jim has renewed my faith in the mortgage industry. I dreaded the thought of having to go through the process of refinancing my home. Having a root canal would have been a more welcoming prospect. Every experience I have had with different mortgage companies or banks has been long and drawn out and painful for no reason. Paperwork that needed to be submitted and resubmitted several times. Phone calls not returned. Finger pointing. Just painful. Jim was a breath of fresh air from start to finish. He kept me informed each step of the way. He even called me at 8:30am on Saturday to answer my question from Friday afternoon. Jim even drove 40 miles to pick up a check from my home. Jim was thoroughly professional and efficient. We closed in 1/10 the time that this process seems to normally take. I have already given Jim's number to several friends thinking about refinancing.

James H. - PA

Dan provided everything we could expect or anticipate. Thanks!

Andres K. - NC

Marcia, our Mortgage Analyst, was very professional and helpful from day one. We have shared our experience with Marcia to friends and family to keep her in mind for their mortgage needs.

Donald W. - LA

David called me within a minute of applying via Lending Tree. He maintained a very courteous and professional manner at all times and was very patient in working with me, listening to my questions and responding in turn in a timely manner. Kudos to David.

Reginald D. - TN

Anthony was outstanding from the moment we walked into the office until the closing of our loan, Thanks.

Jeff and Tina N. - OH

Carlton, thanks so much for all of your help making this finally happen! You were great!

Gary F. - OH

Greg took control of everything and worked everything out when I had question.

Saundra C. and Thomas W. - NY

We are writing this letter to inform you of our recent dealings with one of your agents - Jacqueline. We have been trying to re-negotiate our present high interest rate mortgage to a much lower one for months- having begun the process with a savings bank where we have several accounts, one of them being our savings . Our interaction with the aforementioned banking institution was hostile and most adversarial - on the part of the bank. We were working with an agent who would never return our calls and whenever she asked for the reams of paperwork, once she received it, would berate us verbally and one point after telling us we were a "no problem" loan approval, the next day, took a $500 bank fee, then called to tell us we were not getting the mortgage, then said, "she highly doubted if we would ever be eligible for a mortgage again." After more discussion we decided to try again and were referred by our own loan servicing company, Ocwen, to try Reliance First Capital, upon which we were assigned to Jacqueline as our mortgage representative. I sincerely hope you have the pleasure of knowing Jacqueline because as a consumer, we can tell you she is young, bright, caring and very competent. Her energy seems boundless as she calls us back immediately and often. She has been with us every step of the way and last evening - WE CLOSED!!!!! We are saving several hundred dollars every month and are absolutely thrilled! Jacqueline explained everything to us as many times as we asked. She single-handedly took a most unpleasant situation that we had experienced prior and turned it into a win-win for all of us. She is kind and witty which made a somewhat intimidating process much easier for us. She would always tell us how she is very happy to help and we believe she actually means it. Jacqueline even worked with us through hurricane Sandy - never forgetting that we still had business to complete. We wish that in our daily lives we would always have someone like Jacqueline to deal with and we need you to know as her supervisor what an asset she is to your organization. We will definitely recommend your company along with Jacqueline, as well. Thank you for having the foresight to employ someone with the qualities that Jacqueline possesses.

Charles E. - NC

Christopher work with me on my refi, I was very pleased with the way he handle my loan process; would highly recommend him and your company.

Jeffery M. - TN

Shelly kept removing road blocks as they came up. We found out that part of our house had not been inspected during construction by the previous owners. Shelly helped us get the building inspectors to our home and get the proper documentation for the loan. We had giving up on being able to close in the time allowed but she made it happen.

Kevin J. - MD

Marcia was exceptional. She answered all my calls at home or in the office.

James P. - PA

Chris kept us very informed of what was going on in the loan process and is a very friendly person. Chris makes you feel very comfortable right from the very start. My daughter even said you would swear that Chris and I had known each other for a long time because of the conversations we had over the phone. I would strongly recommend Chris as a mortgage analyst to anyone looking for a mortgage loan.

Kenneth H. - LA

Richard was the person who helped me with my loan. I dealt with other companies who said they could do my loan and they could not but Richard did it and we are very happy with the service we received from Richard and your company. Thank you so very much.

Jeremy V. - NM

York did a great job. I have referred him to three friends, already. He worked hard to close the loan.

Willie P. - TN

David was excellent!

Courtney K. - PA

Randy was extremely helpful and responsive. He walked me through countless scenarios even though he had just had thumb surgery.

David D. - PA

Thank You Chris for being there when I needed you, you were very helpful, you treated me like we were friends for a long time and I just met you. I will not hesitate to recommend you to anybody. I have had other quotes and Reliance First Capital was the best. Thank You all, May you have a good holiday, Again Thank You Chris.

Anne A. - AL

Jason [provided] exceptional service!!!!

William W. - PA

Steve was in constant communication during the whole process, met with us at my place of business after hours to close and explained each document.

Brian E. - NC

Robert was very helpful during the long 5 months and kept me up to date with what the lenders needed from me.

Jon P. - TN

Amanda was very informative throughout the process. She was very quick to alert me to anything and everything I needed to provide to get the load completed.

Peter F. - LA

Cornell did an excellent job. He was very aggressive. The 3rd program he tried finally worked. Saved me $400 a month.

April H. - PA

Rhiannon was an absolute pleasure to work with and she did an exceptional job for me.

Hedy B. - SC

Zachary was absolutely fantastic. I already referred him to 2 people. He met with me on very short notice several times, explained things well and I am very happy with the loan and everything he did for me.

Holly E. - PA

Steven went above and beyond to make sure I was informed with the process every step of the way. Excellent job done!

Myles C. - CA

I can truthfully state that I would never have gone through with the refinancing if it hadn't been for the knowledge and patience of Phyllis. Our scores were a little low and she provided us with skills to increase our scores and qualify for a refinance. Phyllis kept us informed promptly throughout the refinance process. She was forthright with information and selected the best program that fit our need. She provided encouragement along the way, even when we were still deciding. She is great. I hope you use her technique to train others. We are better off financially then we have been for years, and feel we owe that partially to Phyllis - thanks!

Roger M. - PA

I was very pleased working with Tom on my Mortgage. He made it a very pleasant experience. I would surely give your finance company's name to any person that would inquire of my dealing in my mortgage Thank-You for a good experience.

Sandra H. - TN

Rick was very helpful and throughout the process.

Maribel B. - IN

Steve was the best. He listened to what we needed, sent us a list of what he needed from us, that was our homework, and he took it from there. I'm still amazed at how easy how quickly this whole process went. Steve was ever so courteous, humor filled and ever so patient with us. I will recommend your company to the best people and have them ask for Steve!!! I'm from Indiana and my cousin from New Mexico told me to call Reliance First Capital. Thank-You so much and now I'm more at ease with my payments. My husband is retired and I'm semi retired. Thanks again. By the way my son will be calling next.

Lisa S. - IL

Everything [David] did was great.

Rachael F. - PA

Marvin and Steve were both wonderful to work with and I will (and have already) recommend them to any friends and family in the market for a mortgage.

Rachael F. - PA

Marvin and Steve were both wonderful to work with and I will (and have already) recommend them to any friends and family in the market for a mortgage.

Phillip S. - SC

Jessica was a pleasure to work with. Friendly, knowledgeable, and professional. She was helpful through every part of the process. I feel lucky to have dealt with her.

Katerina S. - OH

Carl was a tremendous partner in helping me get this deal done. He worked with me throughout the entire process keeping me updated as needed. I have contacted many companies over the last year to work on refinancing my house, and I can honestly say that the reason I went and stayed with Reliance First Capital was because of Carl and his tremendous work ethic. I would highly recommend Carl and Reliance First Capital to anyone I know looking to refinance their home. I already have!

Jeffrey P. - PA

Randy did a phenomenal job during the loan process. He was in constant communication with us throughout. Randy worked around my work schedule even staying past his "quit time" a couple of evenings.

Jeffrey B. - NC

Jon did a great job. I have lots of properties, and this turned out to be a long process, however Jon did an excellent job concerning this loan.

Linda F. - PA

Christopher is the analyst who handled our entire loan process. From the very first call he made in response to an online request for a quote, something clicked between us. I told him from the start, that I normally would never have answered the phone that day, but I DID. From our very first conversation, I knew that he was someone special and exceptional. He was so sincere in wanting to help with our financial needs. I never would have believed that the program he came up with would have been possible. My husband and I will be forever grateful for his honesty and professionalism and jokes in between. The entire process was easy, smooth and painless. Thank you Chris for everything you did for us.

Robert M. - PA

Thank you for helping us met our goal.

Gregory G. - PA

Refinanced our mortgage with Reliance First Capital and got a great interest rate. They had very good communication from start to finish. We were extremely happy with your services. Thank You.

Kelly M. - PA

You have one of the best loan officers in the business! Jon was a pleasure to work with during my recent home mortgage refinancing. His friendly, calm demeanor most definitely put me at ease and made the process not seem so scary! I was extremely impressed with how quickly and smoothly the process from start to finish went, it only took a month. A friend of mine that used another bank had to wait almost five months! Jon's communication was top notch, he would never hesitate to call me at anytime, even just for an update. Thank you Reliance First Capital for having someone like Jon Erdman in your company. I have already referred my friend to Jon and will continue to do so. I cannot say enough wonderful things about Jon Erdman and Reliance First Capital!

James P. - OH

Khalif was awesome.

Bobby and Darlene W. - AR

Oh my, we cannot say enough about Sean. We were about to go with another company and Sean called us back and worked soooo hard for us, and thank you to Sean for going that extra mile, it has changed our life.. We will highly recommend Reliance First Capital.. Bless you.. We are so excited.. You are making a difference.

Yolanda T. - KY

Becky and Phil did a wonderful JOB! Thanks a million.

James P. - OH

We refinanced recently with Reliance First Capital and it was one of the easiest refinances I have ever done, and quick! I believe they were able to get us the lowest rate possible. We are very happy with them and would recommend to anyone! (as posted on LendingTree.com)

Jack S. - PA

Thomas kept us well informed, very good work.

Jennifer M. - NH

Rhiannon was professional, consistent, and very knowledgeable. She answered questions clearly and was very patient when I had questions or didn't understand something.

Christie C. - NC

I attempted to refinance through [another lender] to start off with. However, this was a nightmare! Their loan process started in April and continued through September until I told them to "kiss off". I took a $400 loss from the appraisal they did and Reliance First Capital couldn't use. But, on the UP side, Reliance First Capital was "topnotch" throughout the entire process. Less than 2 months to close was exceptional. Greg is the Best!! He, Toi, Diana, and Nick all made the process very easy.

Scott D. - NY

Gregory was excellent in keeping our loan on track. He went above and beyond the call of duty keeping me moving forward in the process. I highly recommend him!

Charles G. - NY

Rosanne was absolutely phenomenal. She actively pursued the best program for us, kept us informed and, most importantly, worked to close this loan.

Bruce A. - PA

Dan was excellent, prompt, and informative.

Bruce K. - CT

Scot worked hard for my loan and showed great patience that worked for me and got results.

Maurice W. - AR

Steve, I am writing this memo to applaud your performance in helping us find funding for our recent purchase of a home in Springdale, Arkansas. The process wore on both of us at times, however, you were always there with a word of encouragement for us to move forward. Your financial professionalism helped us cross the finish line with a closing that funded with no glitches.

You treated our funding package as if it were your own. We were kept abreast of its progress throughout. Your professional advice saved us time, effort, and money.

I realize that a government backed loan can be a tedious process as it proved to be. At times I became impatient to the point of quitting. Your calm and encouraging demeanor kept me from doing so. For this, I am very grateful to you.

A day doesn't pass without me thinking of how you helped us realize the home of our dreams with your hard work and expertise. You were always accessible to us even from your home. A working day didn't pass without some type of communications with you.

Jon was incredible! I've heard horror stories from numerous people who were going through this same process. Jon made everything super easy and walked me step by step through every part of the process. I was very impressed. He definitely made me feel like he cared about my best interests and that is such a great feeling to have when you are going through something like this!

Dennis S. - LA

Tavaris worked very hard to help us get over some hurdles. He stayed in contact and was always very respectful and polite.

Suzanne N. - OH

We worked with Tim exclusively throughout the refinancing. He was very knowledgeable and made the processing easy. He did a great job for us.

Christopher D. - OH

Sandy was fantastic!

Paula K. - WA

Jon was with us from start to finish. I never had such exceptional service from any company this was the smoothest, easiest process we have ever experience. Thank you.

Donald C. - TN

Sara was a kind person to deal with.

Amy V. - NH

York provided exceptional service.

Mimi P. - OH

Can't find the words to describe the wonderful experience we had with Reliance First Capital. Carlton made the process so efficient and even fun. We closed in nine days!! We shopped with other companies trying to find the best deal, we found in others so much fluff and condescension, but none of them at Reliance First Capital, only clearly explained answers to all of our questions, plus the best rate and closing fees, which even lower than previously calculated. Thank you Carlton, your professionalism and trustworthiness are to be commended. Our best wishes to you, your family, and the company! (as posted on LendingTree.com)

Mary B. - AL

I was glad that York was able to talk with me and made a VERY good impression that I kept his email and kept it when REGIONS did not keep their promise to me and it fell through. I found it and called him.

Marcia W. - SC

Nick was very pleasant and kept me informed at all times as to status. He was the best.

Paul N. - NC

I HIGHLY recommend Reliance First Capital. Doyle Hopkins provided the best customer service experience imaginable. He was extremely knowledgeable, courteous/professional, and responsive. The rates were second to none and the costs/fees were reasonable. I will refer any and everyone I know to Doyle and Reliance First Capital. I can't say enough good things about them. (as posted on LendingTree.com)

Jeremy B. - CT

Greg worked with us throughout the whole refinancing process. He always called or emailed me back within hours. He was very professional, slowed down when I needed him to and explained everything about the refinancing process so I can understand. Exceptional service and personality. He made us feel at ease throughout the process. I cannot express that enough!

I LOVED that we worked with 1 person throughout the whole process. It made things so easy with no complications and I always knew who to call if I had any questions.

Chris D. - AL

Tina was very courteous and very knowledgeable through the entire process. I couldn't ask for a better agent!

Jeremy G. - AL

Cherard, my Mortgage Analyst, performed an awesome job at helping me understand the different loan options.

Bradley B. - TN

Richard was there from beginning to end and met all of my needs and answered any questions I had very quickly. I've recommended him to others who are looking to refinance.

Carole C. - TN

Raemi was extremely competent. She kept me fully informed as to what was going on.

Michael K. - PA

Genie is fantastic!

Joseph F. - PA

Chris worked with me throughout the process and explained everything completely. I am extremely happy with the service he provided. He told me when everything would be completed and he was right on with it. This is the first time I ever did a refinance over the telephone and Internet and I am very pleased with how the process went. I believe Chris Decker did an excellent job and will recommend him to anyone who asks me about my experience with Reliance First Capital.

Michele T. - NC

Ed was just great to work with. He kept in great contact with us - and made the whole process easy and enjoyable. He even handled many things when he was at home and sick. I would recommend Reliance First Capital. You should give Ed a big raise!!!

Kurt E. - PA

Amy was a wonderful person to work with on our refinancing loan. We had met her on a previous transaction and were so impressed that we knew we would work with her on this refinancing as well. She was extremely responsive to us and answered all of our questions throughout the process. It seemed that she was available to us at all times of the day and night! She is a wonderful asset to your company. We have and will continue to refer others to her.

Chelsea C. - PA

Chris was very thorough with every step.

Jacqueline P. - NY

Everything was super, Ken made things very easy and smooth. I would recommend him to anyone.

Chelsea C. - PA

Chris kept me well informed throughout this whole process and showed me a lot if dedication with this loan.

Edwin L. - ME

Mike did a fantastic job. As a matter of fact, he is currently working a refi for my son. Give Mike a generous bonus at Christmas!

Sharon C. - PA

My initial Mortgage Analyst left the company and me in a lurch. Chris picked up from where the first one left off and kept me informed through the entire process. Even called me on a Sunday morning to update me! Chris went over and above what I could have asked for.

Pauline C. - TN

Shelly was wonderful!

Glenn L. - CA

Jake did an outstanding job of communicating with us through the whole process. He was very personable and made the experience with Reliance First Capital a pleasurable process. Thank You Jake, we enjoyed working with you.

John R. - NM

My Mortgage Analyst, Chris, was a real professional and great personally too. The whole process went exactly as he promised both time wise and financially. We were in constant touch by phone, email or fax and there were no big surprises, only a few small unexpected pleasantries, such as getting more cash back. Chris explained things in a positive light always and I knew what to expect and was never disappointed. All the fees were reasonable and well documented. I got my funding right on time and was able to budget all thanks to the accurate estimates. Thanks, Chris - you're the best!! (as posted on LendingTree.com)

Timothy G. - AL

Amanda interacted with my wife and I like we mattered to her, we were not just a paycheck. I felt comfortable with her and would recommend her to others. I have had a good bit of experience in the real estate process and I am truly happy with Amanda.

Curtis A. - TN

Rose made me feel like we had known each other for years! I really enjoyed working with her and loved her down to earth attitude! I only hate that I never got to meet or see her! She was exceptional!

Sherry W. - MD

John was always available to answer my questions and kept me completely informed through the entire process. Excellent Job John!

William R. - NY

Jim went above and beyond what I expected. After interviewing a few other banks for refinance my husband and I chose Jim. We chose him from the beginning based on his willingness to answer our endless questions. Through the process I felt like I was working with a friend instead of a complete stranger. In this ever changing world where customer service is lacking it was refreshing to find that Jim actually cared about us...the customer. Our loan wasn't huge but Jim made us feel as if we were his most important clients!!

Ivan A. - PA

Allen knows what he is doing, very prompt, professional and high quality on serving us, especially since we are first home buyers who face a lot of requirements that we had to fulfill. He just patiently explained and assisted us step by step, from my brother's loan previously, until our loan. At the end....the only word could describe our feeling....a million thanks.... Our dream come true to have a brand new house with a great interest rate too! Just so awesome a job by Allen... Two loans done with excellent satisfaction for me and my brother. Definitely Allen [should get] a promotion for his quality and experience, he knows how to handle our difficult situation, he just knew how to handle very well!

Robert D. - PA

Chris was my analyst and he consistently exceeded my expectations. I shopped around with many brokers/banks/loan offices etc in the beginning of this process and Chris was the only person that I felt I could trust with such an important decision in my home owning process. I am not a big fan of change and Chris made it all very easy. He was always easy to reach and was able to explain every step of the process very clearly as needed.

Rodney R. - AR

Brendhan acted with extreme professionalism, courteousness, and honesty. Great Job! I will recommend your company to all with whom I come in contact that need financing.

Curtis T. - LA

Best financial experience of my life. Chaka was very well versed and the ultimate professional.

Colleen D. - PA

Kaima was just wonderful and really made me feel at ease through the entire process..She was exceptional!

Patricia S. - NC

Regan was our direct contact, and on a couple occasions when he was away, we worked with Sara. In a day when personalized customer service has been replaced by computerized Q&A's and interminable time spent on hold listening to bad music while waiting to talk to someone to whom our call is "really important," we were both surprised and delighted with the service these individuals provided. Regan and Sara were always accessible, answered our calls right away or returned them promptly. Regan was extremely helpful in designing a loan that met our needs, along the way making excellent suggestions, keeping us apprised of the progress, and engineering the smoothest imaginable process. When it looked as though we were not going to be able to close on the schedule that worked best for us, he went to bat to ensure that it happened, so that we were able to close on our loan even on a day that was a designated a holiday for your company. Throughout the process, Regan kept his promises--what he said would happen did happen and on the schedule he gave us, including the completion of everything in 30 days. He was truly a pleasure to work with and we would recommend him and Reliance First Capital to anyone.

Before we contacted Reliance First Capital we had begun working on a refinance with the bank that held our original mortgage. They told us up front that the process would take at least three months, and as we dragged through the knotholes they required we became increasingly frustrated. Finally we decided there had to be an easier way and that was when we made the online inquiry seeking another option. Regan called within 10 minutes of that inquiry. He was the second caller, but impressed me immediately with his professionalism and pleasant, "unpushy" demeanor.

We don't know anyone looking for a refinance at the moment but won't hesitate to recommend you if such a person crosses our path.

Katrina S. - AL

Tina-Marie is fantastic! Super friendly and always so helpful.

William E. - IN

Please continue to provide the high quality customer service I have experienced at Reliance First Capital. Please extend my appreciation to James for his professional knowledge and work ethic. The time needed to get from my loan application to closing was far less than I expected....Thank you.

Jeanie S. - MD

Ed would call me or send an email any time of day to keep me informed.

Paul N. - NC

Doyle went above and beyond in every possible way. He made the process easy and seamless. I will refer every and anyone I know to him. He's THAT good. Please hire more employees like Doyle. He's the best I've ever worked with. Period.

Kenneth S. - TN

Cornell did a super job and I knew that I could reach him if needed.

Patricia W. - SC

Ed was very pleasant to work with even when I would get upset with having to furnish more information.

John S. - OH

Maja was very professional and easy to work with. She kept us very informed of the entire process. We had no unexpected activity. Everything went as she said. I would highly recommend her.

James C. - KY

Had a very good experience. My Mortgage Analyst was very thorough with informing me of my options in programs and found one that was perfect for my refinancing needs. The follow-up and updates during the process were also handled in a very professional and timely manner. I would recommend this company to help you with your refinancing or new purchase loan needs. (as posted on LendingTree.com)

Lynne D. - CT

Scot was absolutely amazing.

Earl T. - CT

I was very pleased by the performance by Reliance First Capitaland especially by the person who was dealing with my account. Elizabeth was very knowledgeable about my problems and how to deal with it. She was calling with both her numbers and letting me know that I could call her pretty much whenever I might have a question. The process was very smooth and went just the way she said it would. I would highly recommend Elizabeth burke to all my friends. (as posted on LendingTree.com)

George M. - PA

Teague did a fantastic job throughout the loan process. He consistently provided me with helpful updates and feedback. He worked tirelessly to make sure that I had the best loan product available and one that would put me and my family in the best financial position. Although I only communicated with Teague over the phone, it was evident that he takes pride in his job and is dedicated to providing outstanding customer service.

Avelino R. - PA

Late in August, 2012 my wife and I decided to refinance our home of only 3 years due to the low rates we were seeing. We were contacted by Kenneth Watson of Reliance First Capital. He was super professional and efficient. He told us exactly what paperwork to gather in a systematic way and kept in contact with us the whole time. The loan approval took less than two weeks due to our good credit rating and Reliance's efficient handling. The experience with Reliance First Capital was exactly the opposite. I couldn't recommend them more. Their fees were about average in comparison to other lenders but well worth the excellent service they provided. Here are the pros and cons of our experience with Reliance First Capital: Pros: -Super efficient -Friendly and very competent service -Secured great loan rate commensurate with our credit score -Walked us through the whole dizzying process Cons: -Fees the same as other lenders (but well worth the cost). (as posted on LendingTree.com)

Esther C. - KY

Ed's professional skills exceeded my expectation. Ed kept me well informed how the process was going, he answered and returned my calls in a very timely fashion regarding the loan that I applied for as well the closing process. Ed's skills are COMMUNICATION, ACCURACY, TIME EFFICIENT, FACT FINDING, HONEST, RESPECTFUL. Commitment is Ed's priority to customers and Reliance First Capital. Most of all he truly is a people person, he LISTENS. Ed gave me the biggest gift, a peaceful mind and my home for my lifetime. THANK YOU, I'm so grateful to you Ed.

John R. - NM

Chris kept me informed throughout. He is a great guy and I would recommend him to anyone.

John R. - NM

Chris was fantastic - he was my Mortgage Analyst and kept me informed every step of the way. He reassured me and accurately predicted the outcome to my greatest satisfaction. He approached his task in a perfect blend of personal and professional manners. Thank, Chris! - you're the best!

Gayle G. - NY

Gregory was very attentive, informative and responsive to all of our needs/questions. He especially impressed us when we had some difficulties with the attorney contracted to do the closing. It was in dealing with this situation that I found that Greg and your firm work with integrity and in my best interest. He is a man of integrity and honesty and helped us make the best choices for us. Even before we closed, we were recommending him to friends. Having gone somewhat blindly with an on-line firm, I was a little skeptical at first. Greg quickly proved himself that he was the Mortgage Analyst we wanted to work with.

Paul G. - NJ

Rick kept me informed during the whole process and explained why the delays were occurring. He was accurate in the terms he was quoting and did not play any games.

Andrew H. - NH

My wife and I were very pleased with all the help we got with Amy. There was never a "stupid question" with her. She answered all of our questions and was very through in her explanation of the refinance process that we were undertaking. I think that this had to be one of the smoothest refinances we have ever done. I would highly recommend Amy to any of my friends or relatives if they needed a refinance.

Judy F. - MD

Jonathan was excellent to get the loan moving.

David E. - FL

I felt very well informed throughout the process and obstacles were resolved promptly. I am very happy with the process. I'll contact Jim with any referrals. Thanks.

John M. - MD

Nick was our Mortgage Analyst and what a fantastic job he did in helping us understand the process and directing us to the right product for our financial situation. Nick was very patient and very responsive. He thoroughly explained each step of the process and held our hands as we had a very bad experience trying to work with one of the Big 4 lending institution. Our process involved Nick having to clear a title from a previous refinance which slowed down our closing. Nick worked very hard at getting this accomplished and kept us informed on each step of the process. I cannot say how fortunate we felt to have Nick as our Mortgage Analyst.

Sylvia M. - PA

We were very pleased with the expertise and service of Reliance during our recent mortgage transaction. Anthony Feola, our Reliance agent, was able to get us a very low interest rate, set up an escrow account to prevent "uh-oh" moments when the taxes arrived, and his attention to us during the entire transaction progress couldn't have been better.

Sandra was exceptional all the way, even arranging a notary to help us close while we had a rest day in New Orleans in the middle of our cross country 6 week bicycle tour of the US!

Frito A. - CT

Scot was excellent. He is a man that we can trust for this kind of business. He is cool, reliable, dependable, honest and trustworthy. He is kind and responsible. He knows how to make a customer comfortable. He is very helpful.

Timothy H. - ME

Lisa was phenomenally helpful throughout the entire process. I didn't just check "Strongly Agree" on all of the survey questions because I think that's just what everyone wants to hear - I truly believe that Lisa went above and beyond the call of duty to get my loan processed and closed. This was a difficult one from my end, lots of hoops to jump through for the VA, and lots of little things (completely out of your company's control, all on my end) went wrong along the way. Lisa was always there for me with advice, kept me on task with constant contact, and always had some kind words of encouragement at the times when I really thought the whole deal was going to fall through. I honestly could not have made it through this process without Lisa at my side, and neither my wife nor I even have the right words to express our gratitude.

Just another "thank you" to the entire team for helping us out. Everything turned out far better than we could have hoped, and this new loan is going to make our lives so much easier in this economy! Thank you!

Bradley C. - AL

Tina was outstanding to work with and would recommend her to anyone. She was very knowledgeable and courteous. She also kept me informed of all progress and changes made throughout the process. She was fantastic throughout!

Thomas C. - LA

Ruth did a great job, working hard to quickly find the solution that met my need. It was a pleasure working with her, and I will recommend her to anyone who is looking for a mortgage.

James C. - KY

Had a very good experience. My loan officer was very thorough with informing me of my options in programs and found one that was perfect for my refinancing needs. The follow-up and updates during the process were also handled in a very professional and timely manner. I would recommend this company to help you with your refinancing or new purchase loan needs. (as posted on LendingTree.com)

Renee R. - SC

Rose was over and beyond helpful during this process. She was friendly and got to know me and my family. She became a friend over the phone. She was the reason we choose to go with Reliance First Capital. Others that contacted us were pushy and didn't take the time to listen to our needs.

Margaret M. - CA

Thomas was extremely helpful and guided us through a very speedy and efficient refinancing.

Elvis W. - TN

Nick was the best if it was not for him I would have gone somewhere else.

Doris M. - OH

My experience with Reliance was very good. Maja was so nice and helpful. A lot of work was required in preparing my refinance and she work diligently to complete our loan at a wonderful rate. (as posted on LendingTree.com)

Debra G. - SC

Freddie was the only one I worked with every step of the way - very detailed - answered all my questions - highly professional.

Walter J. - CT

Erick was very professional during the whole refinance process. Without ever meeting him, I put my whole Trust in him and he outperformed my expectations. He gave me a Great Loan. He was very attentive to detail, always kept me informed and I am Extremely pleased with his financial services. Again I want to thank him for helping me out.

Ronald B. - NM

Raemi was knowledgeable and had outstanding communication skills. Pleasure to do business with.

Michael C. - NY

I will definitely refer Jim to anyone who needs a mortgage.

Kenneth C. - PA

Rick was very efficient.

Barry S. - NC

Becky handled all of the issues described above in an exceptional manner. We are so pleased with her and would definitely recommend her to anyone!!

James C. - KY

Amelia was on top of things and her communication was great as she kept me informed through the whole process.

Henry D. - ME

Steve went above and beyond in helping us achieve our goals. He was honest, well informed, prompt, and courteous throughout the entire process. I would not hesitate to call him again and recommend both he and Reliance First Capital to anybody. Thanks Steve!

Esther C. - KY

Ed, my Mortgage Analyst, worked very hard and above of my expectation. His "exceptional professional service skills" are most commendable, he has earned my highest RESPECT and feel that Ed and I gained mutual TRUST. Thank you very much Ed, Sara and the team who worked on my case.

Carole W. - PA

Matt is the best! He kept us apprised, kept in touch and walked us through the whole process. He was always professional, courteous, and very supportive in our endeavor to complete the mortgage process. We would certainly recommend Matt to our friends and family. Reliance First Capital and Matt made the process of obtaining a refi on our home very easy and were most helpful at all times throughout the entire process including the settlement at my home. We were very impressed with Matt and Reliance First Capital. Thank you, we sincerely appreciate all that you did on our behalf. At this time we don't know of anyone [to refer]. But, in the future you would certainly be the first one we would recommend. Thank you again.

Josephine E. - PA

Yana was amazing to work with. She was thorough with her information and customer service was exceptional. I would recommend her to anyone that I hear is looking a loan. She worked really hard for us and we cannot thank her enough. Our experience with Yana and Reliance First Capital was amazing. This is one company that we would recommend to our family and friends.

Mary T. - NY

Daniel was excellent from beginning to end. He made the whole process effortless and entirely stress free! I think you should clone Daniel. He is a true professional who is an asset to your organization.

Barry S. - NC

Becky was an excellent mortgage analyst and very professional and kind.

Hank and Christine D. - ME

Thank you so much for your help! We could not be happier with the results of our refinance. The fact that we could get the credit card debt paid, borrow extra money for some home improvements, and still stay well within our budgeted goal was more than we could have asked for! I am actually looking forward to the next few weeks when those statements come in and not having to pay those bills! Thank you for taking the time to work with us in helping us achieve our goal.

Stephen Z. - NC

Sabra was great to work with. She worked through a couple of challenging issues with great professionalism. She gave us very individualized attention.

June H. - NC

Benjamin was great! His friendly, courteous, professional manner weighed heavily in my decision to go with Reliance First Capital.

George G. - SC

Marcia did an outstanding job putting my packet together.

Gerard M. - PA

Genie was always on top of the situation - top notch professional.

Seth F. - NJ

Rick provided exceptional service in evaluating not only proposals from Reliance First but also from other lenders in order to make sure that I was receiving the best possible program.

James T. - WY

Thomas was easy to work with, as well as prompt in returning all telephone calls. Can't say a negative feedback about the entire loan procedure or Thomas!

Bradley H. - NC

Robert was excellent in keeping me in the loop and providing me some tips on saving money over the long haul.

Daniel U. - WA

Tim did an outstanding job of communicating often and early throughout the process. Overall an excellent Mortgage Analyst.

Amy Y - NY

[Jim was an] exceptional analyst, great guy, I was very comfortable talking to him.

David J. - PA

Shawn has a lot of insight in working with the public, he has a very good professional skill that's what makes him a very good asset for Reliance First Capital.

Kevin P. - LA

Just an overall great experience. They really help and show you the best options that fit your financial needs. This company truly gives you the sense that they are working for you! I would not hesitate to work with them again as they truly earned my business. My wife and I look forward to working with them again in the future! (as posted on LendingTree.com)

Bonnie L. - PA

Khalif was exceptional. He kept me informed every step of the way, he understood my concerns, and followed up when he said he would.

Jay P. - PA

Genie, thank you for all of your help throughout the refinance process. Your professionalism truly shines and demonstrates your commitment to your clients.

Marvin O. - NE

Cullen was very professional throughout the loan process.

Paul B. - NH

Michele/Carla,

I wanted to take a moment to express my gratitude for the assistance that Dan provided me through the course of my re-finance. I procrastinated and put off posting my needs to LendingTree.com as I knew it would generate calls to my home and a barrage of emails. And it did just that, out of a field of no less than 12 emails from people wanting my business I lucked out and picked Dan's name first to call. It may have been luck of the draw but I've never been known to have good luck. We built a quick working relationship and he was more than just a voice on the other end of the phone, he actually had a personality, peculiar as it may be. I'm sure you all have other choice of adjectives to describe him in the office? We quickly got to work finding the best solution. Through a series of calls he was able to not only assist and put me into a great program but he explained everything in great detail and was very knowledgeable regarding your programs and services. Anyone that has gone through this type of process knows that it can be long and stressful. Dan did a great job not only relaying information as needed in a timely fashion but again demonstrated he was not just trying to turn my business and move on, he took the time to understand my situation and got to know me. So much so that without hesitation I recommended a good friend of mine to Dan and they were able to find a program and close well before me. I don't often just recommend people I have never met. My job has me on the phone all day long as well so I truly understand the need to take the time to build a rapport with a client and service them in a professional manner but at the same time make it to more than just a job. Dan is extremely good at what he does and I wanted to attempt to express that in an email. Reliance First Capital is very lucky and should be proud to have a person that can conduct business in the manner he does. I looked forward to hearing what type of information he was going to provide each time he called, even though his voice is not all that sexy :)

Now you may be wondering if he put me up to this and the answer is, no! Again, I know the importance of providing positive feedback for those that deserve it. Far too often in today's society people decide to focus on the negative experiences and not spend enough time putting efforts into the positive ones. I had a very positive experience and would not hesitate in doing business with Dan again. He represents your company in a positive, energetic and professional manner and should be recognized for his efforts. So when review time comes around please refer back to this email in his file or the "wall of shame" which ever you decide to post this too :)

Evelyn C. - LA

Ben was a true Godsend to me. He's the best!! You all should give him a raise or at least a bonus! His representation of Reliance First Capital was top-notch!

Robin C. - IN

[I] Just wanted to take the time to comment on my experience with yours and Reliance First Capital's efforts on my behalf to refinance my home loan.

From my estimates I believe this refinance of my home loan will save my family approximately 140k over the life of the new loan verse the old. [Also], Seven years of the 30 year mortgage is gone.

[I] Started the process [in] early May of this year and will close 28 Sept 2012. To those who weren't involved, [that] may seem like a long time. However, with all that was required to position me for my best loan application and approval, it was very timely and professionally accomplished. I specifically appreciate the effort of your Credit Team to correct and heal my credit report so I was eligible for the loan.

I would like to state that my phone calls or emails where immediately returned and questions where always answered to my understanding.

I feel this was a very professional and competent effort by Reliance First Capital's entire team.

Louis M. - PA

Anthony was on top of the loan process the entire time, and one of the nicest "bankers" we have ever worked with. Our previous mortgage was through a local bank, with people we know, and we had issues over the years that were not handled to our satisfaction, such as their refusal to set up an escrow account. We were very pleased with the loan process and conclusion.

Ricky E. - NC

David was always very helpful. He explained everything clearly and precise to make sure that there was no misunderstanding or confusion. He was helpful, courteous and took that extra step to make sure that your questions were answered; if he did not have the answer at that time, he found out the answer and got back with us in a timely manner. It is because of the service and help that David provided, that we choose your company over other companies that we looking at or had started working with to obtain this loan. If all your staff is as dependable, caring, and thorough as David your company will always be successful.

Geralyn E. - OH

Sean was very courteous and went out of his way to return my phone calls even after hours. He also explained questions and concerns. I will tell my friends.

Doris M. - OH

We had some special circumstances and Maja worked very hard to resolve all problems. She was great.

Jess S. - TN

Kody was the Mortgage Analyst that assisted us in the refinancing process. He was extremely professional and through. It was a pleasure to work with him. His kindness, attention to detail, and follow up was exceptional.

Pat and Cassie M. - NH

Steve, thanks again for all your help with our refinance! I felt like you were always available for any questions we may have had and were always working in our best interest.

Neil L. - PA

OUTSTANDING! Initial contact made by Mr. Terrance Walton was professional, and prompt. He had a positive attitude and established great rapport within minutes. I look forward to refinancing with RELIANCE! (as posted on LendingTree.com)

Marcelinda G. - PA

I have never had such a smooth, efficient closing as this one with Reliance First Capital! Yana was my representative. She was FANTASTIC!!!! Give Yana five stars!!!!!

Salvador R. - NY

Phyllis was wonderful to work with. She was always helpful and upbeat and went out of her way to make this a great experience for us. She worked very hard to get a loan for us that met our needs and exceeded anything we thought would be possible. She was fantastic!

Kendal B. - NM

Phil was just a great guy to work with and very knowledgeable about New Mexico banking and real estate laws.

Claudia G. - NY

Roseann provided personal and caring service to us every step of the way.....Thanks Roseann.

Vicki C. - NH

Kim was always available, and always very pleasant. She provided excellent communication and guidance throughout the process.

Mark G. - KY

Sabra responded well to all my questions.

Gustavo R. - SC

Marcia was fantastic and kept us informed throughout the entire loan process. My wife and I are very happy and surprised at how quickly this all came together. It's not our first time and are aware of all the setbacks and additional documentation that is sometimes required but Marcia was always one step ahead. Thank You!

Joseph G. - SC

Regan is very professional and did a super job on my loan.

Christine M. - NC

Wade was wonderful. He was kind, patient, thorough and persistent with getting my loan completed. Thanks to him. The kids and I get to stay in our home! Thank you. (as posted on LendingTree.com)

Christina M. - PA

I highly recommend Ms. Kaima Akbar to help you with your financing or refinancing mortgage. She provides excellent guidance and assistance throughout the process. I have bought several homes and gone through refinancing before, but Ms. Akbar made the process very doable and easy to understand. She's very knowledgeable about mortgage lending and was always ready to help. I found Ms. Akbar a caring and dedicated professional. She is an asset to her company. Reliance First Capital also did a great job helping to ensure our refinancing plans went through easily and to our benefit. If you want excellent customer service and efficiency, choose Ms. Akbar at Reliance First Capital! (as posted on LendingTree.com)

Kevin P. - LA

Amanda [provided] exceptional help and insight. Very prompt on follow ups and trustworthy, A+++. I will most certainly send all referrals to Amanda.

Lynne S. - NJ

Marvin went above and beyond to help me refinance. Other companies said there was nothing they could do to help me and Marvin, within 24 hrs, called me and started the refinance immediately. He has saved me quite a bit of money per month! Thank you!!

Richard S. - KY

Alex performed flawlessly throughout the entire process. He is very good at what he does. Thanks, Alex!

Michael B. - CA

Phil was great to work with and kept me completely at ease.

Randolph F. - AL

Cornell never stopped trying to get my deal closed no matter the hurdles that got in his way. He is a very hardworking young man, I am glad that I was referred to him and will definitely call him when it comes to any future home financing needs!

Michelle O. - CT

Phyllis, our mortgage analyst, was exceptional. She gave us her cell phone and always returned our calls within the hour and worked beyond 6pm many times. She helped explain every detail especially the choosing of our finance rate to even our layperson understanding. We were considering going with another refinance company and she helped us uncover hidden costs that the other company wasn't disclosing.

Preston O. - NC

Ruth made diligent effort to keep us informed during the entire process.

Roger W. - AR

Toi was great to work with.

Maryrose F. - NY

I had a pleasant experience with Reliance First Capital, LLC. My agent Greg Bellezza was exceptional and I highly recommend him and Reliance First Capital. (as posted on LendingTree.com)

Stephanie H. - NH

David was very attentive to all of my questions and concerns and kept me up to date with every step of the process. He was a great resource and was very helpful! I would recommend him and Reliance First Capital to anyone looking to refinance.

Reliance First Capital was a great organization, from the fist minute I spoke with David he was certain that they would be able to help me refinance my home. They were very attentive to me and were in constant contact and keep me up to date every step of the way. I would strongly recommend them to anyone! (as posted on LendingTree.com)

Gregory E. - LA

Jessica worked with us on our loan. She went above and beyond to put our deal together. I highly recommend Reliance First Capital, especially Jessica, for anyone with complex financial problems. The folks at Reliance First Capital can help you.

Charlie R. - SC

The entire process was great with Charles. He Provide us with wonderful service. I am please and I am recommending that my peers to speak Charles.

Ray F. - NC

Rich was personable, quick to reply, simple and clear explanations, concise, caring attitude, Very much liked working with him, guys awesome.

Mary S. - TN

Trever was patient and courteous with explanations as needed.

Lon L. - NY

Sash was very pleasant to deal with the whole time we were going through the loan process. In my opinion, he over exceeded and I will definitely refer him to future prospects. Thank you Sash!!

Solomon R. - CA

Excellent service from Jeff. He had all the patience to stick with me for the last 4 months to close this loan. Very professional, answered all my questions.

Gloria P. - NJ

Jacqueline was courteous, efficient, competent, pleasant, all that I could want in my mortgage analyst. Loved working with her. Courteous, efficient, competent, and pleasant.

Charles S. - PA

Thomas was great. Would recommend him to friends and family.

Christine S. - NJ

Daniel is our mortgage analyst. He went above and beyond the call of duty for us. We ran into a couple of stumbling blocks along the way and Daniel helped us through and stuck by our side. Daniel showed us many different options for each problem and helped us pick the one that was right for us. Hands down I would recommend Daniel in a heartbeat. He is personable, informed, and CARES!

Beverly H. - PA

Matthew was very professional, honest, and easy to talk with. He was compassionate to my individual situation. Explained things through every step of my refinance procedure. Was open to hearing of my concerns and offered solutions. I would not hesitate to suggest Matthew to any of my friends or relatives for his assistance in their mortgage needs. During our process my son had an auto accident and Matthew was compassionate to give a lapse of time in our communication so I could deal with the situation. When we did speak he showed concern for my son and family and if we were ready to proceed. Honesty and Compassion are hard to find these days but Matthew proved that there is still some out there. Thanks Matthew for your compassion, dedication and continue to live by good principles and values.

Elvin H. - LA

Cornell went well beyond what I expected. Never gave up.

Gina L. - PA

Marvin was great he went above and beyond what we expected This has truly changed our lives we cannot than you enough.

Carmen R. - PA

RK kept us very informed of the loan process explaining to us the steps that we were taking, answering our question in a timely manner when we had any questions very polite and courteous in all of the conversations we had. We would like to say "Thank You" for the service provided by your company.

Dean H. - TN

I had a great refinance experience with Ben and Reliance First Capital. They were very fast and I received a great rate. I was hesitant to refinance over the phone and internet but Ben and Reliance First Capital made it an easy process. I would recomend them to all looking for fast, friendly and professional service. (as posted on LendingTree.com)

Debbie S. - AR

Jacob was always very polite and understanding. There was allot of paperwork since it was a VA loan and he stayed on top of it.

Bruce S. - OR

Genie was our mortgage analyst and gave us exceptional service. She was so kind when I had emergency back surgery. Thank you Genie.

Amy K. - PA

Our agent, Scott, was very helpful and always easy to get a hold of. He thoroughly answered our questions and concerns. Very happy with the experience. (as posted on LendingTree.com)

Carmen R. - PA

RK kept us very informed of the loan process explaining to us the steps that we were taking, answering our question in a timely manner when we had any questions very polite and courteous in all of the conversations we had. We would like to say "Thank You" for the service provided by your company.

Kenneth C. - MD

Sara and Ed - what a team! This is my second time around with Reliance First Capital and I would come back again.

Edmund C. - AL

Zach and Robert both provided excellent service and were very helpful!

Robert W. - NM

I dreaded the refinance of my home mortgage but I can say with all honesty that Chris at Reliance First Capital made the experience as enjoyable as humanly possible. I actually miss our 3 times a week phone conversation as well as the fun we had negotiating the terms of my refinance...That's right Fun. I said it. We had a blast. He let me win a little and I did the same for him. The loan went through without a hitch and everything was handled exactly to my expectations. I am telling you if you get a chance to refinance with Reliance First Capital be sure to request Chris. He is top notch. You should be so lucky to have your refinance handled by this gentleman. Thanks Chris. (as posted on LendingTree.com)

Stuart S. - NC

Jon was awesome! We have already recommended him to a friend! Would gladly do business with him again!

Mary S. - IL

Both Chris and Steve were able to keep us informed on the progress of the refinance and they were also able to keep my husband calm during the process.

Joel H. - AL

I had a great experience with Jake my loan officer. His was quick to return my calls and answer all my questions. I kinda put him through the ringer making him run a lot of different options and then changing my mind right at the last minute and going with a different option, but he never complained and just kept working on getting me the best option. The only complaint I have is with their compliance department, they were a real pain in the rear, but it's probably like that no matter which lender you go with. Thanks for the great experience Jake (best Mortgage Analsyt I've ever dealt with) and no thanks go to the compliance department. (as posted on LendingTree.com)

Ben did an excellent job on my loan. He was always available, and understood immediately my needs and worked hard to fulfill them. I would recommend him to all my friends.

Terry M. - TN

Ben performed admirably in his dealings with me, Terry, as I'm not always the easiest person to get along with when it comes to financing/refinancing a home. I sometimes have a "short fuse" and he allowed me to "vent" and then get on with business.

William H. - TN

Benjamin provided exceptional service to my husband and I. He was willing to work with us via email as much as possible since my husband and I both work long hours and were unable to call and speak with him during regular business hours.

Lars W. - NJ

Marvin was spectacular!

William M. - NC

Joseph was more than helpful, he was concerned and showed a positive attitude through some of my rants he would be someone I would be happy to employ.

Kristin Y. - PA

Steve was great and I have already given his information to five or six of my family and friends.

Kevin M. - PA

Marvin was well informed, tireless, followed up, and got the deal done quickly and efficiently.

Heather L. - CT

Ken kept in contact on a daily basis, was always there to answer whatever questions we had.

John T. - CT

Here's my refinance story.. I started this process way back in June with the mortgage company that held my mortgage after a painful month in a half I did not receive any disclosure papers and they seem to be running into trouble with my Fannie Mae mortgage, so I filled out a questionnaire on the internet and no sooner that I hit the send button I got a call from Phyllis and thank god I did, out of all the people that called me afterwards Phyllis was the most sincere the most knowledgeable, she wanted to design a mortgage that was perfect for me. The most important thing for me is that I really trusted her and truly believed she was there to help it was trust I could not font in any other person I talked to, she called or emailed or texted me every day to assure me that things are going to head. The problem that my other lender had with Fannie Mae, Phyllis was able to straighten out within just a few days, unbelievable!! We were able to close within three weeks.. Amazing.. I am very grateful to have had Phyllis do my refinance, what an asset she is to Reliance First Capital, honest, trustworthy, hard working just a complete pleasure to work with... Keep up the good work Phyllis, you're the best!!

Scott H. - ME

Rich was very good at keeping us informed throughout the entire process.

John C. - TN

David is so professional.

Burnis G. - AL

Tina-Marie was always very courteous and friendly. She tried very hard to get the loan done quickly, but there were many things happened that was beyond her control. But after everything Tina and I went through together, I feel that she is like a close friend. She really cares about her clients.

Scott P. - NH

Daniel provided exceptional customer service. Throughout the entire loan process, he communicated exceptionally well and exceeded my expectations in keeping me up to date on what was going on. He was also very personable and pleasant to work with. I'd recommend him to my friends in a heartbeat.

Robert G. - AL

Nathan was our Mortgage Analyst. He was extremely helpful, considerate, efficient, pleasant, and was good at listening. He made the entire process as good as it could be. He was punctual and did what he said he would do. He was also just a nice guy to work with the entire time. Tell him Rob & Kathy said, "Thanks"!

Carlos M. - PA

Thank you very much for all your help so far with helping us with our Streamline Refinancing. It's been a great pleasure working with you. You have treated us with great respect and kindness. Also, thank you for your great professionalism and your great knowledge in your professions. With so much negativity and pessimistic attitudes in our country today you guys are the type of people who give this great country of ours great hope in what lies ahead. We not only wanted to say thanks for your help and giving us hope so far, but also to let you know that yesterday we sent the rest of the documents you required along with the signed preliminary disclosure papers that we received on Friday. Again, thank you very much for all your help, have a great, rewarding and successful day and keep up the awesome work that you're doing in helping others reach their goals and dreams. Please keep us updated with the status of our progress. We're very confident that your company will be the one that will bring us success. Thanks again!

Kaima and Steven, Thank you so much for all the work that you and your team have done in working so hard for us and for all the patience that you have shown. You have been outstanding every step of the way. My wife and I thank you very much for making this process so much easier for us.

James H. - PA

Randy was very friendly, upbeat and very caring throughout our loan process. He became a friend to us. I would like to thank him for all his help with everything throughout the process.

Mouzon S. - TN

I worked with Ed, maybe some others for a short period of time, but almost exclusively with him. He kept in close contact, kept me apprised of all the activities, updates, etc. It was a pleasure to work with him.

Simon C. - NM

Chris was able to assuage my fears regarding refinancing by addressing my concerns about privacy issues. He did exactly what he told us he was going to do. He restored my faith in the financial institutions. Chris is an exceptionally efficient and caring individual. I really enjoyed working with him and getting to know him better.

Michael B. - ME

Get yourself some additional Steve clones. He is very customer-centric and helpful and it was a definite pleasure to work with him. In this day and age, it's very difficult to find people who will do what they say they will, but Steve was on the ball all the way. It's very refreshing to work with people like him. Steve was always helpful and insightful and always did what he said he would.

Jessica E. - PA

RK and Steve were both outstanding. My circumstance was very involved and complicated and these guys stood behind me all the way. RK would answer a question any day of the week, any hour. I was very lucky to have made the decision to close my loan with Reliance First Capital!

Clayton K. - WY

Phyllis's commitment to customer service was exceptional. It was a breath of fresh air to have service like that. She was available literally 24/7 which we needed because of my rotating work schedule. She was available at home and at the office. Top notch service!!!

Thomas S. - KY

Keep Alex and Trever around - they were very professional. I don't know of anyone in the market - but if I do - I will sing your praises.

Tracy H. - SC

I was very impressed with the immediate responses I received and the honesty of my mortgage analyst. I felt like Reliance First Capital really "had my back".

Susan K. - AL

Robert designed a program that works well for us.

Ismat S. - NY

Sabra, our Mortgage Analyst, kept in touch and tried to answer all our inquires. Her Branch Manager, Wes was very helpful towards the end in dealing with our case and expediting the process.

Scott M. - MN

I worked exclusively with [Lisa] through the whole loan process. Very impressed - exceptional customer service, very kind and personable. I will recommend her to friends and family. She treated me like a friend.

Roseann was available just about 24/7 and kept to process moving forward in any way she could.

Paul T. - CT

Awesome experience.... Referred 2 friends to [Frank] already.

Fulvio G. - NY

Ken [was] extremely helpful and professional.

Anthony S. - LA

Ben was really easy to work with and the communication was great. They made the process easy as possible and we got a great rate lower my payment significantly. (as posted on LendingTree.com)

Marilyn M. - CT

I had started the refi process with another lender; however, Yana listened, problem-solved with me and developed alternatives that met my needs better than the prior lender's representation. She kept me informed along the way, made sure that I understood the terms and options available to me. She was a consummate professional.

Dennis C. - NM

Don't ever lose Jim! He's a great guy and hung in there and worked harder when the going got 'tough'. He was there for us every step of the way! THANK YOU JIM!!!!!

Tollie T. - TN

Eric did a GREAT job and we THANK HIM for his time and knowledge.

Cheri-Lyn W. - SC

I could count on Cornell to answer any questions I had and he took the time to make sure I understood the process every step of the way. He stayed with us through the very end, late on a Friday night. I enjoyed working with him through the process.

Edward A. - ME

Greg was the one responsible throughout the whole process. He was in constant communication with me, which made me feel quite confident and comfortable in his handling of all of the details necessary to complete my loan. I would highly recommend him to anyone interested in refinancing a loan.

Syreeta W. - NC

Regan always responded to my calls promptly, and was patient when I was unable to reciprocate or provide information as promptly as needed due to schedule demands. He was the consummate customer-centered professional.

George K. - NY

Jim was friendly, knowledgeable and always available. He did such a great job that we honestly had no questions!

Jeremy W. - LA

This process went smoothly. My wife and I are extremely happy with our decision to use Reliance First Capital. We will recommend this company to our family, friends, and co-workers. Miles did an awesome job. He was professional, knowledgeable, and explained the whole process very well. His attitude was just like I was speaking to a friend during the entire process.

Steven M. - CT

Scot was always there for all my phone calls and questions, and I had a lot of them. He was always friendly and someone I could count on.

Susan M. - OH

Our experience with Reliance First Capital was outstanding! Lisa was personable and very knowledgeable, and was in contact with us every day. The process was very quick, with less than three weeks between applying and receiving our new mortgage. To top it all off, our rate was even a little lower than it had been when we first started the process. Reliance First Capital made sure that this was the right loan amount, term, and experience for us, and everyone with whom we had contact was wonderful. (as posted on LendingTree.com)

Patricia B. - NH

Dan is not only knowledgeable but such a nice person - a guy who could be my friend.

Hunter S. - NC

What can I say, it all worked out. I will be working with several tax clients this coming season and will certainly refer business your way.

Stephanie F. - NC

Cherard was all-around awesome.

Joel H. - AL

David was just awesome, that's about all I can say.

Liz and John S. - LA

We were very fortunate to get Nathan as our Mortgage Analyst, he went beyond and above to help us with our needs, My hat comes off to you Nathan, we could not have did it without your help. Liz and I thank you for a Job well done. AWESOME!!! I will tell everyone about my experience with Reliance First Capital. Especially someone who is looking for a VA loan.

Terence B. - NY

Jacqueline was VERY professional, courteous, and PROMPT!!

Jean and Roger M. - NY

Mary’s expertise and efficient manner, along with her prompt, knowledgeable responses to our questions made our experience with Reliance First Capital extremely positive. She was a pleasure to work with and we were delighted with the short “turn-around time”. We will highly recommend your firm, and particularly Mary Siegel, to colleagues, friends, etc. who may be in need of your services.

Roland W. - ME

Gregg was great, he kept us informed as much as possible. We had to wait for the VA a couple of times but Gregg kept after them so the loan could proceed as quickly as possible.

We would have lost our home of 34 years if we couldn't refinance, if fact we were really close to not being able to make the next payment. Thank you to the the Reliance Team for getting us through this time and special thanks to Gregg who walked us through the process and kept after the VA to process their part.

Doris C. - PA

Cullen was wonderful, he explained everything in detail and was wonderful to work with. He is a true asset to your company.

Suzanne B. - OR

Stephen exceeded my expectations. Honestly it was chance that we talked because I was getting hounded by calls from all the lenders. I let my guard down and picked up a call from an unknown caller which turned out to be Steve. He hooked me up with a plan that worked better than I had hoped for! (as posted on LendingTree.com)

Terry T. - TN

We had some difficulties getting closed but Ben hung in and got us through some tuff and unusual obstacles to a successful close. He worked around my cancer treatments and my wife's broken back and rehabilitation process.

Allen M. - NH

Andy was very upfront with everything and always willing to find alternate plans.

Michael H. - TN

Oliver was so nice and cared about everything that was going on at the time.

David B. - PA

Bonnie was, in my mind, an advocate for me as a borrower. She was very efficient and was my consultant throughout the entire process.

David J. - TN

Anthony was very helpful throughout the entire process. He kept us informed of the status and provided much needed assistance with acquiring documents that I didn't have readily available. He's a true professional and a great asset to your team.

Mark M. - MD

Jon was very professional and personable. Jon kept me informed at every part on the process.

Jeff G. - PA

Hi Regan,

Thank you for the update on the status of our loan.

Originally, I had planned to refinance through Quicken loans, because the company is a part-time NASCAR sponsor and I’m a dedicated fan of the sport and always try to support sponsors. However, when I contacted Quicken Loans the representative I spoke to wasn’t very helpful. In fact, when I asked about refinancing into a shorter term loan, she told me it was impossible. In addition, I spoke to the representative one time on the phone and never heard from that individual again.

After we spoke to you we were impressed you took the time to explain our refinance options and you worked toward achieving our objective. We had been considering refinancing our mortgage for several months with the goal of avoiding starting back with a 30 year term.

Hopefully, we can do business again in the future.

Jesse B. - NY

Phyllis offered some of the best service I have ever encountered from her first call until the last. She was extremely knowledgeable, always available and never let a question go unanswered. In the future it would be my pleasure to recommend both Phyllis and Reliance First Capital to family and friends.

Michelle G. - ME

William was very respectful and quick to help in anyway.

Christine V. - PA

Reliance First Capital was one of the best companies I've ever dealt with and a pleasure to work with throughout the refinancing process. My mortgage consultant, Yana, was extremely informative, kind, funny and went above and beyond to help me not only get the best rate I could - but also to make sure that I understood every step. I would definitely recommend this lender to a friend. (as posted on LendingTree.com)

Larry A. - NC

Ed was very responsive and professional in all aspects of his work on our mortgage.

Jerome W. - AL

On or about July 1, 2012 and with interest rates at an all-time low, I was contacted by Reliance First Capital and Richard (thru LendingTree). I told Richard what my goals were, my current rate on my mortgage and that I was a 28 year Army Veteran. The loan was successfully closed on August 9, 2012 with success and complete satisfaction. Throughout the entire process, Richard was PROFESSIONAL, COURTEOUS, EXTREMELY KNOWLEDGEABLE, and PROFICIENT in all aspects of his job and paperwork. We both had our act together. I had most of the paperwork in hand that he needed. If I had a question, he was there. If he said he would call or e-mail me, he did. It was an extreme pleasure to work with him and his organization. I highly recommend them both to anyone interested in re-financing. In my opinion, Richard is an asset to this firm. Keep up the good work and a job WELL DONE that went beyond my expectations.

James D. - AR

Jacob did an exceptional job keeping us informed of each process. He was personal and a very informed person when asked a question. We enjoyed his input and personal attention.

Tarun M. - LA

Ed provided me with excellent service. He is smart, friendly and always willing to help. He treated me with genuine respect.

James O. - NC

Zachary was very professional and kept us informed and explained every step of the process. He thought outside of the box on financing options available.

Roderick F. - NC

Miles was a great listener and really focused on what I needed instead of just proposing different strategies.

Samuel C. - NC

Ben has handled two refinances for us. He is very professional and at the same time very personable. He has been a pleasure to work with. He is very thorough and kept us informed every step of the way. You are very fortunate to have him on your team!

Theresa and Stan M. - IN

Steve, Stan and I would like to thank you for helping us find and secure a new mortgage for our home that is perfect for us at this time in our lives. The savings is fantastic and you were the BEST to work with. You updated us every step of the way, you negotiated changes on items we weren’t comfortable with and you were very professional in all of our conversations and written communications. It is so rare these days to get good customer service, you exemplify what good service is. We truly enjoyed every minute of this process because of you. Again, thanks so much and we wish you the best in your career going forward. You will be very successful because of your work ethic.

Sharyn I. - NJ

From start to finish Shawn was outstanding in guiding me through the process of refinancing my home. Considering my complex situation, Shawn was upbeat and positive in finding a resolution to my goal. Of course that goal was attained quickly and flawlessly.

Donald K. - SC

Freddy was just wonderful. He was so helpful and explained everything so that we knew exactly what was going on. Can't praise him enough.

George H. - OH

Anthony, I just wanted to thank you for making the process comfortable.

Denise F. - PA

Yana was awesome to work with -- from start to finish! I was a bit apprehensive at first to engage in this process almost sight unseen -- but Yana's professionalism and asurity made me feel totally at ease almost from the start!

Candace H. - NH

Amy is amazing. I enjoyed every conversation we had and she was always able to explain everything to me in a way that made it very easy to understand!

William L. - LA

Keep own with what you are doing. Jessica is number one.

Richard S. - NC

Kevin was very proactive with information and worked diligently to overcome obstacles in the process. He and the team found ways to remove these obstacles and keep the process moving forward. He is very courteous and professional. Kevin is certainly a valuable asset to your organization. Very well done to all involved.

Robert W. - WY

Ken was a pleasure to work with and kept us informed throughout the entire loan. We would recommend his services to any one of our friends, thank you.

Todd R. - CT

Yana was very professional and efficient. A pleasure to work with.

George D. - NC

Oliver kept me informed each day, he made it easy for my wife and I.

Chrystal H. - AL

Frederick went above and beyond his job to find a way for us to refinance our home. I really appreciate his time and effort.

Amanda V. - OR

Nick was the only one that I had any interactions with and he was always prompt and courteous. I don't have any complaints.

Christy C. - PA

Randy listened to what my goals were and presented a refinance program that allowed me to lower my loan term by a year, lower my monthly payment and pay less over the life of my loan, not to mention bring very little money to the table at close. Randy is attentive, courteous, professional and very personable. I was nervous through this process, but trusted that he was presenting the best options for me.

Clyde R. - IN

Daniel was there through the entire process and answered all my questions. He called me back in a timely fashion and together we took care of all obstacles. He is very knowledgeable and I will recommend him and Reliance First Capital to others. I feel pleased and realize how refinancing is not an easy process unless you have a good person helping you...

Nicholas D. - CT

Jim provided exceptional service, he was very personable and super person to work with thought the process! Give him a really big raise!

Norma P. - MD

John was extremely helpful.

Susan S. - PA

Randy is an asset to your company.

Thomas M. - TN

York was great - he assumed a bad situation from the previous analyst that started my process and he did a great job finishing in a short amount of time.

Charles L. - TN

Toi treated us like family.

Marguerite D. - OH

Allen was patient, easy to talk to, and ready to answer my questions.

Gina P. - NY

Michele was a courteous, thorough and smart woman that always had a helpful and thoughtful way to handle all my issues needed during the refi. I have spoken to several friends about using her and your company for a refi.

Lisa K. - KY

I was very impressed with Ed's courtesy, friendliness, honesty, knowledge, patience, and professionalism throughout the entire process. He did not try to intimidate as others have done in the past. I enjoyed communicating with him and felt that the whole experience was a pleasant one. He kept me updated every step of the way and I never felt left out of the loop. I felt like my loan was the only one he was working on. I think that's the type of person every lender should have on staff. I truly thank you.

Theresa V. - CA

Shawn was terrific through this whole process, keeping us updated with phone calls and becoming a friend in the process. My husband and I hope to meet him some day.

Sandy helped me secure this loan. She is relentless in pursuing a client and explains fully what to expect. I would also mention her manager, Tom, for working on our request to pay our taxes when it's due (90 days) rather than including this in our closing cost.

Michael L. - SC

Becky always met and exceeded my expectations. This was the second refinance that I requested in the past two years and there was no doubt that I would seek her out for help again. A true professional and she always made me feel comfortable with the process and her abilities.

Dustin and Sigrid B. - OH

Sandra helped tremendously throughout the entire process. It was especially helpful that she could be reached at any time of the day to answer our questions and to make any adjustments in a timely manner. Sandy's honesty, integrity, and commitment helped us to reach decisions, and resulted in us going forward with the refinance. Sandra was very helpful and nice through the entire process. Because of her, we chose Reliance First Capital!

Harold T. - TN

Fred handled my mortgage well.

Leo Z. - PA

John did a great job!

Jerry M. - NC

The only difficulty we had during the process was the unexpected increase to the amount of money we had to bring to the table. It was $300 more than anticipated and did set us back some as an expense we did not quite anticipate on, and being informed on the final disclosures that the loan would be for 26 years rather than the 25 as was originally discussed. I did understand the need for this but thought it should have been discussed with us before the final disclosure was emailed to us. Other then these 2 issues Regan did a great job communicating with us every day via email or phone. This was not something we had experienced with previous lenders when we had refinanced before.

Michael S. - PA

Michael was patient, kind and very helpful. I would refer him to anyone looking for mortgage help.

Jennifer H. - OH

I had hesitated to do a refinance on my home because of the horror stories I had heard from others about the documents it requires and the weeks and months it took to complete the process. Imagine my surprise and joy when my refinance took less than 2 weeks for the entire process and the closing was scheduled within a day of getting loan approval. Excellent service all around!!

Michael M. - IN

Amanda was helpful, courteous, understanding of our goals, and patient with our lack of knowledge. She answered our redundant questions without making us feel uninformed. Amanda was also very punctual.

Tim B. - AR

Steven surprised me from day one. Upon submitting an inquiry on Lending Tree, Steven replied to me in less than 3 minutes via phone. He was very professional through the entire process and updated me multiple times throughout the process. He is an asset to your company!!!

Steven S. - OH

My Mortgage Analyst, Khalif, was not only a professional but also human. My loan process with him was actually fun and I enjoyed working with him. I will certainly recommend him to my friends.

Mylie M. - TN

Tracie kept me informed throughout the entire process and always got back to me with answers to any questions that I had in a timely manner.

Anthony Z. - PA

Steve helped us through the entire process. He was courteous, knowledgeable, and honest with us. I would recommend him to anyone looking to refinance or purchase a new home.

James N. - SC

Jessica explained process and procedures numerous times thru the entire loan process. Please give any and all referrals I send in or have call [Reliance First Capital] to Jessica!!

Daniel L. - AL

I was very pleased with the personal aspects and the overall results. There were some process elements that seemed as though we had to fax and fax again. David was very supportive and encouraging.

Karen M. - NH

Jim [provided] follow-up and constant contact, advising me as to which part and what would be done next throughout the loan process. The schedule to have everything completed so that the closing would be done prior to the end of July was amazing. Jim was completely on top of an worked diligently to ensure that all the pieces came together to meet the goal of closing before the first of August, which was great since it took longer than expected to have the Appraisal appointment set-up and the report returned to Reliance First Capital.

Darryl C. - ME

Phyllis was a delight to work with! She calmed our anxiety. She was fun and gave us all the confidence to proceed with the loan. She gave all the options we needed and kept us informed always. She truly is a wonderful lady and you can tell she loves her work. Her people skills are at a 10!

Teddy S. - AR

I thought everything went smoothly and was pleased. The only thing I could think of is sometimes I wished I know what Toi looked like...She seems so nice I would have like to have met her personally. But I understand!! I would highly recommend Toi as a Mortgage Analyst and a friend..to my friends and family...

Ryan B. - LA

Rose has helped us refinance twice now and has been extremely helpful and pleasant to work with both times.

Sergio V. - NJ

Michele was a great help. She had answers to our questions and provided them confidently and in a very friendly and courteous way.

Ron G. - TN

Amanda was very professional and provided us with such a sense of trust, comfort, and ease. We will recommend her and do business in the future.

Stephen T. - PA

Amy was Perfect! I don’t think there is a word that could possibly describe the level of professionalism and reliability in Amy! She was in all forms just "perfect"!

Albert G. - SC

Thomas was extremely professional and his advice saved me money and time. He and his manager Wes were both a pleasure to work with on this matter.

Kimberly B. - PA

It was a pleasure working with Kathy. She provided exceptional service from start to finish. In fact, it was the best financial experience that we have had. She went the extra mile and kept us informed at all steps. She is a valuable asset to have. Thank you Kathy and Reliance First Capital.

Susan M. - PA

Anthony was very helpful and made the process as painless as possible.

Kevin demonstrated thorough knowledge, keen judgment, and extreme determination in performing all task needed to see our most difficult and, at times, frustrating loan application to being closed and funded. Kevin should be considered a prodigy for Reliance First Capital. We found him not only to be proficient in his job but also personable, readily setting us at ease with any concerns we had. Working with Kevin was one of the best business experiences at fifty seven years old, that I have ever had. Hats off to you and Kevin.

Stanley W. - NY

Erick was extremely helpful. I originally chose another company to refinance my home but ran into some unexpected problems and withdrew my application. Erick had followed up and said if I still needed help to call him. When I called him back he understood what I was trying to accomplish and even though the home appraisal was lower than anticipated helped me work out a plan that met my financial needs. Great job Erick!

David C. - NY

Jim had made the process so easy that I could not imagine a way that could have been smoother from your end. He provided EXCEPTIONAL service and was always available and friendly. The whole process was a pleasure to go through with a professional of Jim's caliber. I feel extremely lucky to have been dealing with Jim since I've known others who have not had such a pleasant experience with refinancing (not from Reliance First Capital).

James A. - PA

Scott is an outstanding example of professionalism. I chose Reliance First Capital because you offered a loan that met my needs and expectations. With that said, I would recommend Reliance First Capital to others because of Scott's superior level of professional, timely, experienced, and positive service. During every step of the process he promptly informed me of everything that was going on, gave me accurate information, and gave me accurate timelines and expectations. In all of my business dealings, I have found it rare to work with a person of his caliber. For the first time in years, I really feel that my financial goals are moving in the right direction. Scott cared about my goals and made a sincere effort to help me move in the right direction.

Muhammad K. - NY

Ken, thank you very much for your time and professional devotion through which you worked for my closing which went well yesterday evening. I will certainly recommend your name to my family and friends for their mortgage needs.

Susan M. - OH

Lisa was our mortgage analyst, and we could not have asked for anyone better! She kept in contact daily, was both personable and professional, and made the process smooth and enjoyable.

Tony G. - SC

Miles went above and beyond his duties to work with me on this loan. When I got to felling like I was wasting my time he assured me to be patient and that we would get the loan approved and he did. Miles would be my recommendation for anyone who is interested in a loan and Reliance First Capital would come highly recommended by me.

William C. - NC

Fred was a pleasure to deal with. He was the first Mortgage Analyst I have dealt with in my fifty some years of dealing with mortages that made me confident that what he said was what would happened and it did. I shudder what would happen if I had gone with the scummy people at [other lending firm]. I feel as though I have made a freind dealing with Fred.

Julia W. - NH

Daniel was in charge of my transfer from Sovereign Bank to Reliance First Capital. He explained everything to me clearly and was there when I had any questions. He gave me confidence and security through this process. That was greatly appreciated! I look forward to doing future business with Reliance First Capital thanks to Daniel. I don't know anyone at this time, but I will refer anyone I know to Daniel knowing that they would be in good hands. Thank you so much for all your dedication.

Deborah T. - NY

I am very pleased with the whole process and how professional my analyst Jim was. He was able to help me reduce my homeowner's insurance by a significant amount.

Michael G. - SC

It was a pleasure working with Tom. He kept us informed throughout the whole process and answered any questions we had. And he got us the best rate possible. Thanks again.

Brian & Susan M. - PA

I just wanted to tell you what a wonderful job Anthony did for us. He made the process as easy as possible and I will recommend him highly to everyone. He is a very nice young man with a very bright future. Thanks again.

Zachary S. - PA

Your loan process was outstanding and Maja was extremely helpful the whole process. She was an amazing mortgage analyst and I am greatly in her debt for all the hard work and cooperation she put in to help me.

Maja provided exceptional service. She was quick to answer any phone calls or questions I had and was able to get me my loan in under 4 weeks time. Due to me working in Brazil it was essential that I had this process completed before I returned, and due to her hard work I was able to close in time. Maja deserves whatever benefits or bonuses can be provided to her by Reliance First Capital because she is the exemplary employee any company could desire.

Russell B. - NY

Phyllis went far above our expectations in making the refinancing process seamless with her depth of knowledge and eagerness to find the most favorable financing options. She was very personable, and we enjoyed working with her.

Sharon P. - OH

Veronica provided me with exceptional service. I was never in the dark about a thing. She called me and let me know every detail. She was awesome.

Ronnie G. - KY

Marcia's service was the best, thanks Marcia. Marcia is the very best she is such a sweet lady. Marcia helped me so much I will never forget what she did for me and my wife. THE BEST, THANK YOU MARCIA!

Jennifer P. - CT

Frank totally hit it out of the park with us. My husband and I were in a tight financial situation and Frank took the time to work with us on our options and to help us reduce our mortgage significantly which put us in a better financial place and gave us peace of mind. Frank is a huge asset to your organization, his people skills are outstanding.

Terrance N. - AL

Nathan provided excellent service, he was friendly, knowledgeable and committed. Nathan made me feel at ease conducting a transaction of this magnitude online. Without Nathan working with me I wouldn't have conducted this transaction.

Amy D. - CT

Frank was more than exceptional! He went above and beyond by keeping me informed daily and finding the refinance that was right for me! Very knowledgeable and very on top of everything.

Solon L. - NC

Charles provided excellent service.

Raymond O. - NM

Your loan process is excellent, just wish I could have used it on another commercial account of mine. But thanks so much for your quick and efficient services. Chaka is a great employee/person who you should price and reward. Of the many loan experience in my past this rates tops.

John K. - TN

Toi had an answer for every question I had and lots of options to meet our needs. The loan we ended up with was one we hadn't even thought of.

Doris W. - IN

Steve was absolutely fantastic! Not only did he explain in detail the options we had for refinancing our mortgage, he also answered any questions we had promptly and helped guide us to what we felt was the best option for us. He called or e-mailed with updates at least every 1-2 days (which made us feel like we were kept "in the loop" at all times) making it so we didn't sit around and wonder where we were in the process. He kept himself readily available by phone at all times--if he had a window of time he wouldn't be available we knew that in advance. We have closed on home purchases and refinances several times over the years and this has to have been the quickest and smoothest we have ever been through. It only took about 3 weeks (or less) from the first time I spoke with Steve until we closed. Thank you Steve for not only being very professional but very personable as well during this process. We couldn't have asked for better service than what you provided us. I have recommended Reliance First Capital and Steve to anyone at the hospital I work with who may have an interest in refinancing. I will continue to do this if anyone asks for recommendations later on too.

Craig L. - ME

I really appreciate the time and dedication Dan put into my loan process we had some bumps in the road a few times but managed to get through them and come up with the best solution he could for our loan. We would really like to thank him for his efforts.

Todd S. - OH

I would like to convey how professional, responsive, and smooth you made our refinance process early this year.

Donald P. - CT

We just completed a refinance from 6% to 3.5% fixed rate. The process went smoothly and was handled professionally. I strongly recommend Frank as your Mortgage Analyst. He was just ... great!

June D. - NJ

Felicia, my Mortgage Analyst, was outstanding! She was always professional and calls were returned within the hour. The process was explained with patience and clarity. I felt confident she had my best interests in mind throughout this process. You are to be commended for having such a diligent and pleasant representative.

Barbara B. - TN

Benjamin was courteous, professional, on top of things, and was an excellent representative on behalf of Reliance First Capital. It was an easy process for us. I had originally looked into refinancing and was overwhelmed by the number of people calling me looking for our business. Benjamin followed up with me to see if we ever refinanced, and we had not at that juncture. Working with him was a pleasure.

Kathy Jo L. - PA

I want to let you know that I have never done this before but feel so strongly that I must let you know how I feel about your employee, Rhiannon. My husband and I were looking into consolidating and refinancing our mortgage. I ended up talking to several different lenders over a period of about a month. Rhiannon listened, advised, and promptly presented us with several different options. She was very personable, professional, knowledgeable and truthful. You just do not come across people like her in business or everyday life anymore. She really is passionate about her job and life in general. Unfortunately and sadly, we had to go with another lender because of financial reasons. I'm sure you can understand that for me to write this to you in this situation is very uncommon. Like I stated before, I have never done this before. Your employee Rhiannon is just the best ever, and I had to let you know.

Donald F. - CT

Frank handled the whole process, thoroughly and professionally. I give him 5 stars out of 5. He was
absolutely great and will recommend him to my friends and co-workers.

Patrick K. - PA

John was very helpful, courteous and professional. We enjoyed working with him.

Gary B. - NM

Phil is a true professional and knows his product well. Great guy!

Terry C. - ME

Greg was very good at keeping us in the loop and maintained an upbeat attitude even when I was not
so chipper once - had an off day and should not have answered the phone as I was in a very bad mood. Greg changed
that attitude in no time flat... Good Job Greg.

Jonathan W. - WY

I worked with Thomas and wanted to say he was great to work with. He didn't show frustration with
me when it took me forever to get important info to him. I appreciate everything he was able to do for us.

Debbie P. - TN

Mitra, our Mortgage Analyst, was very courteous and efficient. Could answer any question I had.

Sandra S. - AR

Ed was very knowledgeable and worked in a very timely manner. Not pushy but got things taken care
of. Great job of keeping in touch.

Bonnie G. - PA

Yana went above and beyond in working with us on our loan. We can't thank her enough. Not only was she very professional, but she was as personable as one could be. Kudos go to her.

Stephen H. - AL

Najuma was very professional, courteous, and manage the process well.

Earl R. - TN

Ben's exceptional patience working with my unforgettable loan helped me to regain trust in people who help people who had come in contact with predatory lenders. I am thankful for his dedication and hard work, for which I'll be forever gracious.

Christopher B. - OH

Anthony went above and beyond with service and keeping me up to date with developments. Did most of my leg work for me.

Kathy Z. - PA

Chris continuously kept in contact and worked with me in waiting for the right FHA program to start on June 11. As soon as possible the new loan application was started and completed in close to 30 days. This is very helpful, especially when my own bank would not return my call to refinance as they were "too" busy with excess refinance and HARP II applications. I myself work in a client interaction job and we always make sure that we go that extra step in working with our clients and that is what Chris did as well. In this day and age, where the norm seems to be more of a passing of the buck or just not doing a job, it is even more important when you find people and companies that do stress really working with their clients/customers and I feel Reliance First Capital and Chris did just that. I will refer Chris every time I hear someone needs anything with mortgages.

Sara W. - CT

Daniel was very proactive, but not pushy. Excellent customer service!

Laurence G. - AL

Andy gave us exceptional service. It was much more meaningful to work with someone who treated us like friends rather than just some number or account they needed for a quota. It also made us feel that he was honestly trying to do what was best for us, not just suggesting plans that were quick or easy for him. I had turned down other agents who were "pushy" over the phone and only wanted to work with someone who was local. Andy was polite and made us feel as if he was "right around the corner". Thank you Andy.

Jennifer P. - LA

Jeff is the only individual with whom I was in contact. I found him to be very helpful and patient throughout the loan process. I liked that I had one contact person and was not "bounced around" on a weekly basis from one mortgage analyst to another. Jeff was always professional and personable.

Gayle & Russell A. - ME

It has been a true pleasure for Gayle and me to work with you on the refinancing of our home. Endeavors like this are never taken lightly. Your professionalism and attitude to get the process completed from start to finish were and are exemplary. We began the refinancing on a Monday and signed our final paperwork two Mondays later. A two week completion was fantastic! You kept us completely up-to-date and informed throughout the entire process and are a credit to Reliance First Capital. We thank you and will definitely provide your contact information to anyone we hear is thinking about refinancing.

Gregg P. - AL

Ben was very nice and courteous. He was extremely proficient and knowledgeable and explained everything very well. Ben is a great asset to your company. Everything went great. Even though Ben was adding a member to his family he always stayed in touch and kept everything moving forward. I am so glad that I made the choice to refiniance with Reliance First Capital. I cannot say enough good things about Ben and Reliance First Capital.

Samuel W. - NM

Yana was very professional and helpful and worked very hard at our loan.

David H. - TN

As a Realtor, I meet people everyday who are looking for someone to help them with a loan - Reliance First Capital is at the top of my list.

Geneva M. - MD

We would just like to say that we were scared at first but, Doyle made all of fears go away. He provided exceptional service to us and was always there when we had a question. If we left a message he would return our calls within 20 minutes. He walked us through the process and made us feel like we were dealing with friends that cared. We cannot say enough about Reliance First Capital and the way they go the extra mile to make sure you are getting the best service. We have dealt with banks before and no one ever treated us as well as Doyle and the team at Reliance First Capital. Just when we thought there was no hope for our situation Doyle called and we begin to see the light at the end of the tunnel. We would just like to tell people that when banks say "No we can't", Reliance First Capital will do the best they can! Happy to say that we closed in a short period of time and are looking forward to telling all of our friends and family about our experience.

Just keep hiring people like Doyle who has a heart and listens to the needs of the customers.

Steve and Laura H. - AL

Laura and I would like to thank you all for your support in our refinancing effort. But mostly, I want to praise the professionalism, personal attention, and friendly manner of Najuma. We have refinanced houses before, but in working with Najuma, this was the smoothest and most pleasurable of all. Her continued enthusiasm and attention to detail helped us be more comfortable with the online process. We were leery at first, but Najuma's constant communication and schedule management eased our concerns.

Thank you Najuma for your help, and we will definitely recommend Reliance First Capital to our family and friends.

Michele C. - TN

David provided exceptional service, patience, and continued support during the process. I could not be happier with the customer service he provided. Thank you!

Bart W. - IN

Renee, my Mortgage Analyst, was very personable and knowledgeable when discussing different financial programs with us. I enjoyed working with her and have recommended her and this company to my friends. Thank you for making this a painless refinance.

Robert W. - PA

John kept me informed and found the best way to go about getting the best rate and program.

Roy I. - NC

Kevin did a fine job, very conforming and kept us informed as much as possible.

Mary C. - PA

I could not have imagined the process would go so smoothly. Twenty one days (15 business days) from first contact to closing, wonderful. Christopher was my mortgage analyst and the person who saw me through the whole process, step by step. I wish all financial dealings went this smoothly.

Barbar M. - IN

Jacob [provided] great customer service and worked hard to get us the terms we wanted.

Kim Y. - AR

Beyond a shadow of a doubt David did a superior job!! We could not have had a more knowledgeable person help us with our new loan. He truly does an excellent job, both for his customers, and the company. He did everything he ever said he would, without missing a beat. It was a real pleasure working with David and we believe it wouldn't have been nearly as pleasant without all his help!!!

I really felt Reliance First Capital was a very professional company and I would certainly recommend you to anyone looking for mortgage needs. Thank you very, very, much!!!

Fonda D. - AL

I have already given recommendations to several friends!

Geneva M. - MD

My husband and I were really scared to take a chance with any company that was not a bank that we dealt with. Well, let me tell you that we have dealt with the same bank for over 15 years and when we went to see about getting help to pay off some of our debt the only thing they told us was to use a snowball effect. We weren't sure what to do. We received a call from Doyle on a Saturday when we were at the end of our rope and everything started to change for us. My husband found that Doyle was a straight forward kind of guy who understood our problem. We felt confident in dealing with him and never had one regret after our first conversation. He became a friend who we trusted and started using our first names with one another. He walked us through every step of the way. Some days he would just call to check on us and make sure we knew what part of the process we were in. He even gave us his cell number. What an amazing person you have working for your company that calls just to check on us. He understood our needs and never promised us anything but to do his best to make things easier for us. Well, after only 32 days we settled right here at our dining room table... At times when I was nervous I think he prayed with me... I just want to say we having nothing but great things to say about him and your company and plan to tell all our friends about Reliance First Capital. God Bless You... Your Company has given us breathing room so we can enjoy more time together.

Geoffrey B. - AR

Scott did a wonderful job working with me to get things done in my strange work timetable. Many Thanks.

Fred M. - NC

I think Sash did a great job throughout the whole process. He helped in so many ways and I think Reliance First Capital should be glad that they have someone like him working for them!

Day &amp Susan W. - AR

Susan and I just wanted to thank you for your hard work finding the perfect mortgage for us and making the refinancing process so quick and easy, just as you promised. You did an outstanding job keeping us updated through every step of the process. You are an asset to Reliance First Capital and they are fortunate to have such a courteous professional helping their customers with their financing. Thank you again for all your efforts in making this so easy and effortless on us. Your service has been excellent.

Ronald P. - PA

[My] expectations were very high...and were met.

Mark M. - IL

Ja'Neen was great to work with. She was always reachable whenever I needed to ask questions of her thru this whole process. I feel I cannot say enough things about her. She truly is a valuable employee in [Reliance First Capital]. Thank you again Ja'Neen for all your help.

Bonnie N. - IN

Steve, we wanted to let you know how impressed Ralph and I have been with all your patience and due diligence throughout the period of time it took for our refinancing to go through. You did a super job in tolerating us and even our son-in-law Pete. Your professionalism, courtesy and constant reassurance did wonders to keep us hopeful everything would come out OK and it did. Ralph and I are very very pleased. Thank you for hanging in there with us.

Karen M. - ME

Just wanted to say thank-you to Phyllis for my refinance, SUCH A DAUNTING TASK, but was very easy with Phyllis helping me every step of the way! I am so glad I had your help. Everything came together as it was promised, I am glad it is over. I would refer [Reliance First Capital] to anyone that needs help.

Virginia W. - IL

Christopher was the best Mortgage Analyst we have ever had. If I had to rate him between 1 and 10, I have to say he was a 10.

Daniel P. - AL

I picked Najuma from among several people who left me voicemails after I did Lendingtree. She was very professional and did a great job throughout the process. She always responded in a timely manner and maintained a positive attitude. I was able to do it all electronically and the loan closed on the day she said it would when we started the process. I even paid a little higher closing costs rather than deal with the annoying person from another company, and I don't even regret it because this one was easy and Najuma earned the business.

Jimmy D. - AR

Sean was very personable and helpful and very supportive and easy to work with.

James S. - ME

Kathy and I would like to take this moment to thank Steve for all the help and assistance in making our refinancing possible. We were so amazed at how easy and quickly the whole process took place. Steve was true to his word. Once again, thank you very much. We will share this experience with our families and friends.

Alexis P. - TN

Mitra was beyond excellent. She's friendly, professional, knowledgeable, helpful, and came across as someone I could trust my financial needs with. She was easy to work with and is definitely a great asset to [Reliance First Capital].

Charles M. - MD

Nick did an EXEMPLARY job handling my loan. After attempting to refinance with several other mortgage companies, Reliance First Capital was able to successfully complete the process. I am sincerely appreciative.

Steven H. - AR

Gary did an excellent job of helping me with the refinance of our home.

Jennifer P. - AL

Anthony was great, he kept me informed, asked for everything up front that was needed, and if I missed anything he let me know immediately so that everything would go so smoothly. As it did. I could not have asked for anything so easy and so fast. I will definitely be recommending Reliance to others. Thank you so much for everything!

Charles W. - OH

Ja'Neen is a great asset to your company!! Very prompt, courteous, professional, knowledgeable, and friendly!!

Reed H. - KY

Sabra took the time to explain everything I needed to do to obtain a loan. I have been trying to re-finance my home for three years, Sabra did everything necessary in just over 1 month.

Mark N. - ME

Jacqueline was very professional and helpful.

Jeffrey G. - KY

Miles is by far the best Mortgage Analyst I have ever worked with. This guy is a find, keep him happy and pay him well. He is the kind person people want to handle their needs and he does very very well. I can't say enough about Miles. I never even considered looking at another company or rates or anything as I knew Miles was working for my best interest and when you have someone like Miles doing that for you it can't be better anywhere else so why even look. You are very lucky to have Miles working for you.

Bradly M. - PA

Sandy was the only person I spoke to and she was GREAT!!!! Thank You Sandy for everything!!!

Charles H. - PA

Khalif from his very first contact made me feel that serving my refinance was at the top of his work list. His follow-up in each stage of the process was always immediate. In short I could not have asked for better service.

Ryan F. - WY

Gregory was in constant communication with us throughout the process. He was very helpful and informative. There was never a time we had to wonder if Greg was working on our project, he was ALWAY on top or it all!!

Matthew V. - ME

Bill was great!

Robert T. - LA

Nick...professional to a "T"...kept us informed of any needs/updates etc. I will either refer or recommend Nick and Reliance First Capital to friends/family for their financial needs.

Mark M. - NY

Jim was very informative thru out the process.

Shanna T. - KY

Sabra was professional and personable! Always returned my calls immediately and keep me updated every step of the way.

John D. - PA

Steve returned all calls promptly, got us a lower interest rate, and was very courteous and friendly. He helped make a stressful event less so.

Brad K. - SC

Whew! Nick put a significant amount of time and energy into closing this. We dealt with a lot of opposition on the other side of this, and he went above and beyond what any analyst would have done! Nick would make any member of management very proud, my strongest recommendation.

Thomas F. - PA

When I requested a refi quotation on the Internet I was bombarded with dozens of calls soliciting my business. I interviewed a half dozen possibilities and got quotations from four of them. Throughout this tedious process I was continually impressed with my interactions with you. You moved things along quickly and helped me understand the process and you kept me informed at every turn. And you did it all in good humor...quite a talent.

Now that we have settled our loan I want to express my thanks to you for making the whole process easy and enjoyable.

I will surely recommend you to anyone I know who is looking for a loan.

Thanks again

Kenneth K. - AL

Tina was courteous, prompt, efficient and extremely helpful. She kept me informed and involved during the refinancing procedure. She's at the top of her game.

Rodney C. - PA

Veronica was the best. If she said she would call on certain day or time she did. Always kept us informed whether by phone, fax, or email. Even when signing the papers she gave us her cell phone number in case something came up. Just want to say a big THANK YOU!!!! to her for helping us when our own local banks wouldn't help us. Thank you again!

Mark D. - IN

Working with Steve was a great experience! Steve was very diligent in following up on all items to get my refinance done in a quick and efficient manner. When I called him, he immediately called me back and provided me with information or responses to questions I had. Because of how quick the process worked, Steve got me a great rate and I was able to have the needs of my loan met. Being in a customer service industry, I can definitely say that Steve and Reliance First Capital care about their customers and make it a priority for you to have a great experience. I would highly recommend working with Steve for your loan needs and would certainly contact him in the future should I need to revisit my finance situation.

Edward D. - IL

Chris and Megan found a rate and loan deal that was acceptable, and explained and described the extra items to finish the process. Both were professional and polite, it was a positive experience dealing with them.

Rob and Kelly G. - IN

I am writing to express the pleasure my husband and I had when working with Steven. Roy and I had tried to combine our first and second mortgages for years. When the housing market bottomed out recently we assumed we would never be able to combine the two mortgages and obtain a low interest rate. Then we met Steve. Steven got the basic information he needed from us. Within days, if not hours, Steve had obtained what we wanted. Not only are the two mortgages combined at less than a 03% interest rate. We were also able to afford the monthly payments by switching from a 30 year mortgage to a 15 year mortgage. Throughout the entire process Steve was always available for our calls. I don’t know the precise number of days this process took but it was less than a month. He made our financial dreams a lot more accessible.

Allen M. - ME

Just wanted to say, Phyllis is very helpful and with me every step of the process. She is a prime example of what you asked in your survey! Thank you so much.

Thomas E. - NY

Jim kept me informed every step of the way. Gently prodded me (my request) to keep the process moving. Very respectful of my busy personal and professional life. I would recommend him to anyone and everyone looking to finance/refinance their home.

Barry B. - TN

Wade did an excellent job helping us through the process... Could not have asked for anyone better! Thanks for putting up with me.

Brian B. - NC

Ed was always very courteous and did a fantastic job of explaining every step of the loan process.

Nicholas K. - TN

Stephen was excellent every step of the way. He kept me updated during the entire process and even called to say hi and that he was there if we had questions, even though nothing new was happening with the loan process.

Lee V. - MD

Amy went beyond my expectations. She is truly an angel!

Blanche J. - MD

Marcia was extremely helpful and knowledgeable throughout the whole process. She made me feel comfortable through some bumps in the road! All ended well!

Shawn P. - PA

Carlton was excellent to work with. He took the time day or night to meet our schedules and answer any questions or concerns that we had. Carlton was personable and also was honest and gave us his best expert advice for what we were looking for.

John M. - OH

Timothy did a great job from start to finish.

James M. - CT

Frank was our Mortgage Analyst, he explained everything that was going to happen and everything went just as he said it would. Frank was very patient with us, as we had work to finish before it could be appraised. We were very pleased with all of Frank's service!

Luis G. - NH

Erick give me the right information to do everything perfect.

Tracy H. - SC

Felicia is the most patient and hard working person I have met in a long time. Her service was outstanding and she needs a raise because I am sure she is not paid enough for all the work she did for me.

Philip W. - TN

Andy was a great help through the process of explaining everything and keeping me informed.

Scott H. - PA

Rick was great. It was a pleasure working with him. He made the entire process very easy for us.

Ryan R. - PA

Everything was great, Greg was way more than helpful, can't say enough about him. I was so pleased that I already referred two co-workers who have been looking to refinance to call Reliance First Capital.

Anthony R. - CT

Frank did a fantastic job getting us the loan we needed with a great rate Thank You Frank...

James F. - NJ

Dan was able to help us where other refi requests could not. He was friendly, and professional. Thank you.

Steven K. - NH

Jason provided excellent customer service and exhibited vast patience in dealing with the title issues. He always kept me informed and connected to the process. His professionalism is a rare find these days and he is a valuable asset to Reliance First Capital. He does a superior job of being the interface to the customer. Thorough, punctual, and well spoken are but a few words that describe my impression of Jason.

James G. - CA

Daniel was outstanding. He was on top of everything, making sure I understood everything in the process. I plan to do additional business with my son's home loan in the future.

Jill M. - CT

Ja'Neen was amazing at making the whole process go smoothly.

Corrine A. - NC

I can't say enough about Eric! He was always available to answer questions and deal with my concerns. There was an immediate comfort level. His attention to my loan was impressive. He serviced me as if I was a family member or close friend. I will miss my contact with him.

Ronald C. - IN

Peter stayed in constant contact to keep us informed of what was happening, and made us feel very important through the entire process. Thank you for everything, we will definitely contact you if we ever need to purchase another home, and we will send others your way as well.

Donna G. - NY

Ken was extremely helpful throughout the entire process. He was in touch with me on a daily basis, and was more than happy to answer any questions or concerns on my part. I would recommend Ken's services to anyone who would ask. Thank you for your help.

Joseph P. - OH

My loan was more difficult than most I would think, Carlton took everything as it came and always was professional. Owning my own company I was impressed with Carlton from day one. I really believe he enjoys what he does and made me very comfortable dealing with him and your [Reliance First Capital].

Bruce W. - NC

Ben was our mortgage analyst. My wife and I were hesitant about refinancing our loan, in fact, we had started the process and then drew back. We thought maybe we shouldn't rock the boat with the company that had our mortgage and home equity note because of the negative way their personnel related to us. We had a bankruptcy that was settled about 3.5 years ago and this was affecting our credit rating. We were upfront with Ben about this and his reply was "Let's see what we can do for you." (not a word for word quote, but what he said and how he said it was important to us). Aside from the regular service you might expect, Ben helped us to clear up some false, negative statements on our credit reports and listened to our explanation as to why we had so many inquiries to the credit reporting companies. The experience of dealing with Ben and the rest of [Reliance First Capital] were tremendous and we will be referring others to Ben. It was nice to have someone who really was doing his job and not just going through the motions. Hard to find someone and a company that still does this. [Reliance First Capital] is very fortunate to have someone like Ben representing you.

Michael S. - PA

Anthony was exceptionally courteous, very informative and knowledgeable with any questions that we had. Didn't push anything, but kept up to make sure that we didn't have any problems or questions. Very professional attitude and very professional personality.

Jaime K. - NY

Ken was a pleasure to work with. He was extremely professional, courteous and very knowledgeable. Ken went above and beyond to help my wife and I complete the refinance process. Ken was quick to respond to any of my questions or requests at all hours of the day and evening. Ken is an exceptional employee and an asset to Reliance First Capital.

Kimberly F. - MD

John and Tom - always kind and polite and easy to work with. Great team!

Scott L. - ME

Greg, thank you for your prompt and informative response. You are a great communicator and a great asset to Reliance First Capital.

Ken S. - WY

I am writing this letter to inform you of a great job Thomas did while handling the logistics of refinancing my house. He was always available if I ever had any questions or needed anything and if by chance he wasn’t, he always got back to me within an appropriate time. Also, throughout the process, he was very patient with me in that because I am a school teacher, the end of the year is very hectic with my schedule and I couldn’t always be available to conduct business. He is as professional as any business could ask of an employee and if in the future I come across some people that are interested in refinancing their house, I will most certainly give them his name. He did a great job. Thank you Thomas and also everyone else who may have been involved in this process.

Cathy W. - WA

Steve, this is another chance to thank you again for doing a great job for us and pulling our refi together even when we didn't get the appraisal we were looking for. You made it happen regardless. The notary was quite impressed with our loan by the way.

Mariel M. - PA

RK did a fabulous job in closing my loan. There was a HUGE ‘set back’ that could have stopped me from living out my dream of being a home owner but RK worked hard to ensure that I would be able to do so. He was patient, professional and very caring throughout the entire process. He was always available to answer any question or concerns. RK made me feel like a person…not just “another deal to close”. It was a pleasure working with him and I will definitely refer family, friends and co-workers to RK and Reliance First Capital because I know they will be in good hands.

Charles T. - NJ

Cullen was a pleasure to work with during our mortgage application process. All of our calls were answered in a timely fashion and the information we were provided with exceeded our expectations. A pleasure to do business with.

James W. - SC

Thomas did a great job, I was turned down by 4 to 5 different loan agencies. Thomas stuck with me and got my loan closed and closed at a reasonable amount. Thanks again Thomas and have a blessed day...

Sally W. - NY

Sabra was always available and helpful as our needs changed and she has great attention to detail. Refreshing to deal with someone who is honest and has a sense of humor too. Her colleague Michael was also great!

Bruce W. - NC

Ben was our mortgage analyst. My wife and I were hesitant about refinancing our loan; in fact, we had started the process and then drew back. We thought maybe we shouldn't rock the boat with the company that had our mortgage and home equity note because of the negative way their personnel related to us. We had a bankruptcy that was settled about 3.5 years ago and this was affecting our credit rating. We were upfront with Ben about this and his reply was "Let’s see what we can do for you." (not a word for word quote, but what he said and how he said it was important to us). Aside from the regular service you might expect, Ben helped us to clear up some false, negative statements on our credit reports and listened to our explanation as to why we had so many inquiries to the credit reporting companies. The experience of dealing with Ben and the rest of your company was tremendous and we will be referring others to Ben. It was nice to have someone who really was doing his job and not just going through the motions. Hard to find someone and a company that still does this. Your firm is very fortunate to have someone like Ben representing you.

Ben was good at answering questions for me. In fact, the information he gave us helped us to read about and question your competion and enabled us to weed them out.

Phillip R. - LA

Zachary was fabulous. He was on top of his job from start to finish. We could not have asked for more or better service.

Joanne C. - IL

Trever was my mortgage analyst and he stuck with me and worked through some issues so that we could finally close our loan. He actually cared about me. :)

Anthony O. - KY

Anthony's accessibility and responsiveness were excellent throughout the process.

Frederick T. - NY

I was told by others, as well as my current bank, that there was nothing I could do because of my credit. Ken assured me that he could, and closed in 3 weeks. Great job.

David R. - NY

Peter is very personable and knows his "stuff".

Glenn M. - PA

John helped us through every step of the process with great courtesy and respect. He is a true professional and a great asset to your company. I was sad we were unable to do business together.

Joanne C. - IL

Trever was great. Really worked hard to find the best fit for us. I felt personally cared for.

Diane G. - PA

Mike answered all of my questions. He took me step by step thru the process and was very helpful.

Dan & Joy R. - CT

Peter, I bet you thought we forgot about you! It's been one year since our closing and we couldn't help but pause to appreciate how you went the extra mile for us. You got us through a tough situation when no one else would help, and we'll never forget it. If you ever feel like a going for a ride in the country, look us up!

Karen C. - KY

Regan is outstanding! We really enjoyed working with Regan!

Dallas W. - NC

Wade is a very nice person and he stayed on top of the process and kept me informed.

Roberta R. - OH

Kathy was great!

Laura R. - PA

John and Ron helped us through the whole process. They both were very friendly over the phone and took an interest in making sure that the refinance was in our best interest.

Elaine P. - TN

Amanda was wonderful! I think we talked daily during the two/three week period it took. (which was really quick) She explained the process very well, and put me at ease when I was a bit nervous. I was extremely satisfied with her work and will recommend her and Reliance First Capital to anyone I know thinking about purchasing or refinancing.

Lee C. - MD

Sandra was great to work with. She described exactly what would happen, when it would happen, and how it would happen. She was always willing to answer my questions on things I didn't understand. When speaking to Sandra, she made me feel like I was part of her family, not like a client! I felt like she really had my best interests in mind.

James H. - AL

Cherard was extremely courteous and professional and made me feel that he cared about my concerns throughout the entire process he deserves an A+++++.

Edward H. - MD

Amy is a true professional. She was honest and straight forward about what options were available. I felt like I had a friend that was looking out for my best interest.

Brian D. - NM

Chris was extremely helpful.

Timothy M. - PA

Matthew was just a top notch individual, very thorough and a great person to deal with.

Daniel T. - PA

Maja was a great person to work with through this refinance. She was there for us through the entire process. She made us feel as if we were talking with a family member or close friend and not just somebody that wanted our business.

Michael L. - TN

Thanks to Ben who helped us through the process!

William R. - OH

Allen, our Mortgage Analyst, was very honest and helpful, very nice..

David M. - IL

Raemi was always prompt and returned calls immediately, even on weekends. She explained every option available and even gave her own opinion on which way to go without any pressure. Raemi is a tremendous asset to [Reliance First Capital] and you should be proud to have her.

Richard F. - PA

Yana was great!

Gail P. - PA

Carlton listened and understood my needs. Answered every question I had in detail so I understood it. The conversations we had left me with the feeling he was honest and sincere like a son looking out for his Mother. The mortgage business would be a better place with more people like Carlton.

David M. - TN

Daniel and Alex were great. Daniel was our first contact with exceptional follow up providing invaluable help getting us informed and helping us get through the main initial part of the process. Alex stepped in and, even though we hated changing the person assisting and communicating with us, he did a great job taking over, making the process timely, seamless, and the closing great. Thank you to Daniel, Alex and Reliance First Capital.

Due to a health issue my wife and I went through, we regretfully created a delay in the process from the first contact. Daniel was great with his patience and assisting us with follow up on our, Reliance First Capital's, and his behalf. If it were not for this understanding, patience and follow up we may not have gotten through the process. Reliance First Capital’s staff is professional and care about their clients! Thank you so much.

Diane G. - PA

Mike answered all of my questions. He took me step by step thru the process and was very helpful.

Peggy & Tommy R. - KY

I am writing regarding the wonderful experience my husband and I had refinancing our mortgage with Reliance First Capital. Jeff was our Mortgage Analyst. We rarely experience the level of quality service that we received from Jeff. At all times Jeff was thorough, prompt, respectful, courteous, and extremely knowledgeable.

My husband and I both work in service-based industries (he in HR and I in retirement services). We know what to expect and are frequently disappointed when the service doesn't meet our expectations. This was never true with Jeff. From the minute of the first call, he left no doubt that Reliance First Capital was the company to choose for our mortgage needs.

He is a gem and a true professional. Please know how much we appreciate everything Jeff did for us in making this an easy decision and transition. We had put it off long enough, just knowing that the process would be a hassle. It wasn't - and we are very grateful for Jeff and his dedication to his job.

Candace L. - NC

I wanted to take a minute to write you a note to tell you how happy I am with the service I received during my refinance with Reliance First Capital. Eric exceeded my expectations and believe me, that wasn’t an easy task. Because I searched the internet for potential lenders (instead of using friend referrals, etc.), I went into this exercise with an element of distrust. I didn’t return the emails or calls from many of the responders to my inquiry, but there was something about Eric which made me feel comfortable enough to respond. Our first conversation left me feeling confident I could believe in what your company could provide and you would deliver on your promises. He is extremely knowledgeable and provided relevant facts related to our situation. He never wasted my time with any sort of sales pitch; he simply reinforced what Reliance First Capital could bring to the table and the customer service I would receive. Throughout the transaction, he kept me informed and gave me reasonable/reliable dates for stages of the refinance. In the end, our closing went extremely smooth and we are completely satisfied with the results. I know there are other mortgage lenders out there which could have potentially matched the rate I received and maybe even the low closing costs (although I doubt it because my closing costs were GREAT!), but I seriously doubt I would have received the high level of personalized customer service and honest dialogue I received from Eric at Reliance First Capital. Thank you (and thank Eric) for standing out in the crowd!

I will refer Reliance First Capital to anyone I can. I will also reach out to Reliance First Capital for all my future financial transactions. Again, thank you for your upfront and honest business ethics.

Working with Jason from Reliance First Capital was great! Jason is a very friendly and knowledgeable person. He made the whole loan process go very smoothly.

Darrell M. - NM

Gayle was friendly and professional.

Jeffery A. - IN

Phil was very knowledgeable and called me literally within seconds of requesting a quote. Other companies called but some didn't call for a few days. Your quick response and knowledgeable staff is what caused me to choose [Reliance First Capital].

Catherine L. - WY

Tina, our mortgage analyst, was excellent throughout the entire process - which only took about 30 days! [This was] by far the easiest mortgage loan we have ever done.

Charles R. - AR

David was outstanding and very professional.

Kimberly M. - PA

I just wanted to thank you, Marvin, for doing our refinance. As you know, I was mislead and ripped off twice before we started working with you. You were up front and honest with us and that means a lot. I will recommend you to all my friends and clients. Feel free to send me your business cards and I will keep them at my shop. Thanks again.

Robert M. - PA

Yana was very helpful in persudaing me to refinance then kep in touch as we moved through the process. Kudos to her.

Alan E. - SC

Ed was awesome, A-1 service.

Brian M. - MD

Marcia [provided exceptional service through] the entire refinancing process! Truly exceptional! Sara was also very helpful in our process.

Johanna B. - TN

Anthony made several home visits to ease the refinancing process.

Anthony B. - PA

Yana worked hard to assist us at various steps in the process.

Gregory M. - NY

When I first thought of the idea of refinancing my mortgage I contacted several different companies including Citibank (our mortgage holder) and Chase Bank, where I received refinance information from their representatives. I also contacted a veteran’s agency who recommended several other companies to contact, Reliance First Capital being one of them. While I was still in the process of receiving this information on my computer, I was almost immediately contacted on the phone by Jim.

Jim was extremely friendly and informative while explaining who he was and telling me all about the company. He explained in detail and in language I could understand the many options I had and he also took the time and interest to find out exactly what I was looking to do. As Jim soon found out, at that point in time I wasn’t exactly sure what I wanted to do. Over the next several weeks (and many hours on the phone) Jim took the time to answer all of my questions, working out in detail every possible “what if” scenario giving me exact number examples and answers to all of my questions. During this whole process I never felt rushed or any pressure to make a decision even thought I knew I was using a lot of his time on almost a daily basis.

Although I have never met Jim in person, I felt completely at ease through the whole process. Jim took the time to get to know me and for me to get to know him. I felt confident all along that he was honest and trustworthy. I truly felt like I had known him for years and was conducting business with a personal friend. Jim stayed on top of every detail making sure I was pleased with my choices and that the process went along smoothly and to my liking.

While I had many options as to which company to use for my refinance, it was because of Jim that I chose Reliance First Capital over any other company. I want you to know that I am extremely pleased with my choice of Reliance First Capital and will happily recommend Reliance First Capital to anyone I know who is looking to refinance.

Russell A. - AR

Dan was extremely courteous and helped guide me through the process. I have recommended him to others.

Diane A. - LA

Dan should be a trainer on how to assist customers through the loan process. He is excellent with challenging clients like me. I would like to thank all of you who were involved in representing Reliance First Capital.

Monica W. - CA

Cullen made this and another loan happen in a timely manner. He kept me informed each step of the way of all the requirements, and did it in a professional way that made me feel comfortable and not frustrated. I would also like to mention William with whom I had spoken to during the past year regarding this loan. He in fact initiated both loans and also did an excellent job at the time.

Tina M. - AL

York was very professional, honest, considerate, and effective. I enjoyed working with him and have already sent him a referral of a family member.

Sallie L. - SC

Tom handled everything from beginning to end and has since followed up with us. He exceeded our expectations.

Deborah R. - TN

Trever handled my loan quickly and efficiently. Amanda explained several issues and answered questions for me on several occasions. Both were extremely professional and very polite and willing to help.

Gloria P. - SC

Matthew did an exceptional job with all the problems we had with another mortgage company that we had to overcome.

Howard B. - PA

Rick is a very professional man. [Reliance First Capital] is very lucky to have such an employee.

William R. - NM

Trever was personable and very correct in his answers to my questions. During our process I received an email from another company undercutting [Reliance First Capital]. Trever explained they would lead me on. He was correct and when I returned to Trever he closed within the time frame he promised. Yes to Trever for a job well done!!

Christopher H. - TN

Trever has gone above and beyond the call of duty. I feel as if he has gone above and beyond the call of duty to get my house refinanced. He was always keeping me updated on all of the issues that came up. I only wish now that I knew of him six years ago when I first bought my house. I’ve learned a lot from him! I hope that he continues to help many other people. Thank you Trever and Reliance First Capital.

Rashel S. - OH

Genie adjusted her schedule to fit my schedule and she was fabulous to talk to. She explained the entire refinance process and gave me various loan options to fit my financial needs. She also explained each option in detail so I understood them. She was extremely efficient and quick and we LOVED working with her!

Timothy O. - WA

Amy was great all the way till the finish, you need more people like her...stuck with it...

Muriel Q. - ME

Switching from one mortgage analyst to another due to a personal accident with the first mortgage analyst; left a gap with the information that I had originally given her that wasn't passed on to Frank. There were quite a few discrepancies with the writing of the first mortgage application that I had to fix upon receiving it. Under normal circumstances that would have discouraged me from continuing with the process, but because Frank was so personable, I stuck with it.

Martin I. - OR

Najuma was very professional and personal. She made the process successful and painless. She was a pleasure to talk to and explained things thoroughly.

John V. - LA

Charles was an exceptional person to work with. He was very friendly and always very helpful with any and all questions that we had. The speed in which he processed our loan and the help that we received from him was exceptional. I would highly recommend Charles to any and all of my friends needing any financial assistance. Thank you to Charles for all of his exceptional help! When we were finished with the loan process we felt as if we had a friend in Charles!

Robin C. - MD

Ed was so fantastic. I sent him a Thank you letter that I would post in this space but it would not fit because it was that long.

I know every company could improve on at least one thing; however I cannot think of anything, I am so happy I found Reliance First Capital. Everyone is so professional and knowledgeable with not only mortgage loans but what each individual customer can do to get the right loan. Even the title company used to review my papers was excellent.

The best part of this process has been the simplicity and ease of the review of the documents. The automated emails and especially the final one thanking me was just over the top. This is what busy, hectic people want today and you company is on the way to great success.

Jennifer K. - NY

Jim was very attentive and professional, would recommend my friends and family to contact him for any refinance needs they may have.

Aimee G. - NY

I just wanted to send a quick email to you to recognize the absolute phenomenal job that Michele did with our refinance. From day one, not only was she professional but truly dedicated to her job and [Reliance First Capital]. On more than one occasion, she stayed late and answered my one of a hundred questions, even when she was supposed to be going home for her baby girl’s birthday. You have an awesome employee and it is greatly appreciated to finally work with a competent person.

Kimberlee A. - PA

Deanna was exceptional.

Robert S. - PA

One of the easiest transactions I have had in years. Currently going through a divorce, I had a situation that was hard to find help with. Your company, and especially Steve worked hard I'm sure to get me the best possible rate and also aided me in moving ownership of the house solely to me. I can't thank you enough for helping me move on with my life. Thanks to Steve, a true professional.

Robin C. - MD

Ed,

Thank you so much for helping me with my refinance. I know now I will live until I am 88 because I will have to have a party to celebrate the pay off. Good to know I am thinking so positive about life. You do not know how difficult doing this has been. Every night I go over my finances to make sure everything is going to work out. I do not sleep because I have panic attacks and I wake up trying to breathe. I know one day I will get better. However, being a successful manager working at NASA will no longer be on my "To Do List". I think God has given me this opportunity to step back and look at what he wants me to do. My job is now is to guide Scott to be successful and for me to enjoy the benefits of retirement. Another reason I am so happy for the 30 year mortgage. Scott will always have a home. I am not sure about Pooh Bear the dog, I doubt he will make it 30 more years but at least he does not have to move in five years due to the adjustable ARM.

I really think God had a hand in this re-finance. If I had waited just one more day my credit score would have been 500 and I would not have any money. This is going to take about two weeks to get all of this fraud repaired or more. We would not have been able to wait to repair the problem and I would not have a new loan.

I really appreciate so much the kindness and sincerity you showed to me. Customer Service is never an easy job and especially in the mortgage world when specials such as streamlining are happening. You always stayed calm but directed and I am still shocked we did this in one week. I am so happy you will be here for Scott, Pooh and I through any new direction we may need to establish. You did a wonderful job on the rate and thank goodness I did not have to pull out my life savings. You have integrity, Ed, and you are honest but most important you have the touch of understanding of what a person needs to get them through this process. You have provided a caring attitude and listening ear.

Hope all of you at Reliance First Capital have a wonderful Easter and all of your families enjoy the time you spend together. Believe me I know how much you miss your family, when they are no longer on this earth. I have 5 less people in four years. Easter, was such a wonderful time as we blessed our meal and thanked God for his son's sacrifice for ours sins. So be thankful for everyone in your life even the ones that drive you crazy because if they were not there your life would never be the same.

David H. - MD

John was very professional. He was courteous, kind, and polite.

Caryn K. - PA

Daniel answered question after question. He was very professional and worked even on the weekend to help us move the process forward. I felt him to be exceptionally good at his job and very knowledgeable. I even called and asked him some questions after the closing. He got right back to me. Due to his hard work we ended up refinancing with Reliance First Capital even though we had approached our previous mortgage holder about a HARP refinance.

Steven M. - MD

Rhiannon was great! On top of everything that came along - like SUPERWOMAN.

John P. - PA

Daniel, my loan officer - what a wonderful person. [He is] kind and someone who cares about you as a person.

Crystal F. - KY

Jeff is simply an incredible asset to Reliance First Capital. He provided us timely, professional and courteous service. We simply couldn't be more satisfied with Jeff's commitment and hard work throughout this process. I will be referring Reliance First Capital to all friends and family interested in a loan and/or refinance.

Mark T. - PA

I have a hard time putting in words how exceptional Bonnie was in handling my refinance. From the first time I spoke with her to the very end she was outstanding! Very prompt, courteous, and professional. Never did I have to sit back and wonder or worry. Nothing could have worked out better!

Daniel C. - SC

Becky was very professional, helpful, and a kind individual to deal with. She explained things to me in a meaningful way that helped us understand the process and opportunities.

Ronda T. - TN

Doyle was the Mortgage Analyst who helped me with my mortgage refinance. He was professional, friendly, courteous, and went out of his way to make me comfortable with the process. The negative reputation bestowed on the financial industry in general was certainly combated by the excellent and honest service I feel that Doyle provided me.

John B. - OH

Wayne helped us get through the whole process from first contacting us through closing. It was an exceptional experience.

Jay J. - ME

Maja handled the whole process and she was terrific. I kept waiting for the "hard part", but it all went smoothly. Thanks Maja!

Deborah B. - PA

John was very helpful and informative in conveying most information as well as was [his manager] Ron.

Jeffrey & Diane W. - ME

Mike helped to come up with a solution when we were about to give up.

Albert K. - PA

Sabra worked with us throughout the entire process. She explained mortgage options and assisted with getting all aspects of our refinance taken care of smoothly and in a timely manner. Working with Sabra allowed us to realize the goal we set to shorten our mortgage term and stay within our current budget. The closing process was very convenient.

Christine D. - NM

Raemi is the best.

Craig D. - PA

Rhiannon was very professional and clearly provided us various options, she explained everything clearly. Also, she was very friendly and outgoing.

Robert S. - NM

The loan went smooth, fast, and painless. Thank You!

Karen K. - PA

Dan was great to work with I felt very comfortable working with him and he was very friendly.

Daniel C. - MD

Thanks, Rhiannon, for your courteous and professional help!

Linda M. - NC

Well, it's been 14 days since we closed out escrow and things are progressing nicely. The house is painted on the outside, the ceilings are painted on the inside and 1 bathroom is tiled. I just wanted to take a moment to thank you personally for your great customer service. You kept your cool during the ups and downs of the short sale process, which is a great feat! I almost did, too. It was a pleasure to work with you, Cherard, and I will be glad to recommend you and Reliance First Capital to my friends.

Kelly R. - NM

Chris did a great job keeping me informed of the status of my loan.

Melissa B. - PA

Ken was always courteous and followed through with whatever I needed.

Susan W. - AL

It was a pleasure dealing with Tom and Reliance First Capital.

Tom did an exceptional job. He gave us all the information we needed to make a decision and was always polite and professional. He returned all our calls very quickly and made us feel like we were his only clients! I can't say enough about him and his professionalism. I only spoke with Wes once but he was also very nice and helpful!

I will let my friends and family call you but I have told them all what a pleasure it was doing business with and Reliance First Capital. I think you will be hearing from a number of our friends and family!!!

Brenda G. - NY

Roseann was extremely helpful and accessible to answer my questions at all times. She was patient and understanding and walked me through any concerns that I had throughout the process. Roseann is an asset to Reliance First Capital and I will refer her to my friends and family.

Robert Y. - AL

Cherard is a true professional.

Jill O. - ME

Steve was friendly, answered all of our questions and got back to us promptly. He communicated with us through every step of the refinancing process.

I really can't think of someone now, but we will recommend Reliance First Capital if the opportunity arises among our friends.

James F. - SC

Ed was very helpful and stayed in contact with us on a daily basis.

Donald J. - WA

Steve went above and beyond our expectation from start to finish; when he first contacted us and then convinced us your Mortgage program was the best suitable for our situation and that he could help us. He was right; [Steve] followed through each lead and made it possible for us to work together, even when we were faced with some curveballs! He returned every phone call and answered every question we had to our satisfaction. Even though our schedules conflicted most of the time due to the time difference etc. Regardless, he was willing to work with us. We really appreciate him and the services he provided for us and would recommend him to anyone.

Steve is very honest and professional in his work. He does what he says and means what he does. He is hard working, honest and reliable. It's an honor knowing him. Thank you.

Michael L. - NY

Perfection can't be improved.

Joseph S. - NM

Great to work with [Sabra] who was honest, knowledgeable of her business and managed the process to conclusion.

Todd C. - CT

Jim is amazing and was very devoted to making our experience better than with any other financial institution we have used in the past.

Mennita W. - MD

Rhiannon was my Mortgage Analyst and she was always professional yet down to earth on explaining in detail about my refinance. I will tell all my friends and acquaintances, Reliance First Capital is the mortgage company to try and Ms Garrett is the Mortgage Analyst that will get the job done. Thank you all for a stress free refinance. :)

Nathan R. - WA

Daniel did an excellent job coordinating the process.

David B. - NC

Robert went out of his way to provide the best service possible. He was available any time I needed to speak with him, even up to 10 PM. I had never applied for and processed a loan online and I was very pleased with the way it was handled, in a very timely and professional manner.

Rosalind M. - PA

Chris, my mortgage analyst, was courteous professional and very honest throughout my entire loan process. If I had any questions, he answered them and made the process easy to understand. I will let others know about Reliance First Capital and know for a fact that they will be treated well and fairly.

Gale S. - IL

Ja’Neen was very friendly and patient. Thanks!

I. Feng W. - CA

I am very satisfied with my loan. Erick and Carla have a lot of experience and they explained all questions clearly. Reliance First Capital is a great company that we trust. I will strongly recommend to all my friends.

David H. - PA

Chris was great through the entire process. He followed up on every detail and answered all of my questions.

Howard W. - SC

Rose handled everything from start to finish on our refinance.

Mary H. - OH

Amy was exceptional. She returned calls promptly and called nearly daily to keep me updated on the process of the loan. She provided the best service I have ever had in securing a loan.

Allen D. - ME

Frank [provided] exceptional attention. He answered any questions, and kept us informed of the steps to expect along the way to final closing. He provided us with individualized service in a timely and efficient manner. Thanks for all the attention we were given!!!

Christopher K. - PA

John did an outstanding job of communicating all the different options we had and kept us informed every step of the way. He wasn't "pushy" and answered all the questions we had in language we could understand.

Kimberly O. - PA

Everything was perfect...!!

Anthony P. - NM

Marcia was great. She kept me in the loop throughout the process.

Nhat-Nhat-Thomas T. - NM

Chris was exceptional. He was very focused on providing the best customer service. He kept me informed throughout the process despite my busy schedule and out of communication for some periods of time. I was never in doubt on where we were on the loan process. I am constantly on the road out of communication and he worked around my busy schedule to make the process effortless.

Chris made me a Reliance First Capital customer. I will definitely come back on future home purchases.

Elliot M. - NH

Michele was very helpful and supportive when some unforeseen snags threatened to unravel the entire mortgage process. She was instrumental in finally getting the deal done.

Angela B. - OH

Carlton was fantastic to work with. He listened and answered all my questions, returned calls promptly and walked me through the process step by step. I had complete confidence in his ability to get me the best deal possible and he did. Thanks Carlton!

Everyone was kind, courteous and helpful. My refinance was a pain free and hassle free experience.

Alejandro B. - MD

Michele was very professional and very helpful.

Domenic L. - PA

Richard was my loan officer and he was able to help meet my financial goals in a very professional and efficient manner when no other loan officer at other institutions I contacted could. Rick is definitely the reason I chose Reliance First Capital.

Alicia T. - LA

Jeff is top notch! He was very clear and offered every explanation in a clear and easy-to-understand language. Thanks to Jeff for his professional, kind, and courteous service.

Katie L. - MD

Bonnie is truly a wonderful lady to deal with! She went ABOVE and BEYOND to find a loan that would work for us and was extremely patient with us throughout the process, even when we weren’t always so patient ourselves. We had a very difficult refinance situation and she was able to get us into a loan that was very reasonable. Bonnie made herself available days, nights, weekends, whenever, to handle our questions, concerns, etc. and I would gladly recommend her to any of my friends who are shopping for mortgage/refinance loans. Her supervisor Ron also made himself readily available to us to answer questions and concerns. The Reliance First Capital team is fantastic and I can’t recommend them enough!

Beverly D. - OH

Carlton is extremely responsive and went above and beyond to design a refinance loan to fit my needs and make the whole process as convenient as possible.

Francis G. - PA

Shawn was extremely helpful during my loan process and has a professional approach that would be hard to beat. Only a few times some of the paperwork from a couple different people that were asking for the same thing brought some confusion into the picture. Thank you Shawn for a job well done.

Donald T. - IN

We want to thank Carlton for all the hard work he spent on our mortgage loan. His honesty, patience and reliability during the process were truly appreciated. We don't believe this would have been a reality to us if he had not been so dedicated and willing to see it through. He gave us a second chance and we are so grateful for the exceptional customer service we received from him and Reliance First Capital.

James S. - LA

You need to hire more people with the qualities that Reinaldo showed me throughout this loan process. He was honest, very friendly, and personal. He definitely will bring more business your way. Reinaldo is an exceptional representative of your company. He will facilitate success in every loan.

Judith B. - KY

Sabra was my mortgage analyst and she was always available to me. She was very professional and a pleasure to work with.

Nancy B. - OH

Jeff was exceptional in every way. Professional, smart, open minded, and great to work with.

Ilmyung Y. - NC

Sabra [provided exceptional service] through the whole loan process.

Leila C. - AR

I cannot praise highly enough the professional manner that Yana projected while working on my refinance. She became a friend, during the process, and removed any concern I might have had about doing business "long distance". You are fortunate to have her on your team.

Alan P. - PA

Carlton was absolutely great. He was very attentive to detail and our needs. We won't hesitate to refer our friends or family if they need to refinance or get a mortgage.

David S. - TN

David did an exceptional job.

Mark P. - LA

Zachary worked with me through my whole process, even when he was out due to sickness he still returned my calls and emails. He seemed to be looking out for my best options, and best interest, he was upfront and caring.

Throughout the whole process I had numerous mortgage companies trying to help me with refinance, at one point I decided that I was not going to use Reliance First Capital and contacted Zachary to let him know. I then contacted the other mortgage company to start the process and nobody called me back for a few days, that was disturbing to me and, while waiting on the other mortgage company, Zachary was still calling and caring, even though I told him that I was not using Reliance First Capital. I then made up my mind to go with Reliance First Capital because its people like Zachary that honestly do care about others and their needs.

Matthew H. - AR

This is the second time we used Wes and we are never surprised by his professionalism, promptness, and kindness.

Kevin K. - NM

Chris went over and above to help us and find a program for us. He was very friendly, courteous and reassuring in our time of financial need. I would definitely recommend Reliance First Capital time and time again for those who need it.

Thank you, Chris and the whole team at Reliance First Capital, for going above and beyond our expectations!!!!!!!

Donald L. - MN

Working with Reliance First Capital was a real pleasure and everything was done and handled in a very professional manner. I wouldn't change a thing!! The Mortgage Analyst I worked with was Yana and she was exceptional - she was professional, prompt and very helpful. I will recommend Reliance First Capital to anyone I come in contact with that is looking for home financing or refinancing.

Anthony D. - SC

Anthony took his time, answered all questions so that we were prepared and had a timely closing.

Cudelice B. - OH

Carlton was excellent in processing my request and his manager was very helpful as well. A great team.

Curtis C. - IN

I had contacted another potential lender but chose Reliance First Capital because of Jake's quick responses and courteousness.

Christina F. - PA

Cullen kept me informed the entire time.

Claire D. - NC

Regan kept me informed as to the process: what was needed and what would be the next step in the process. Quick access through e-mail and phone to Regan for questions.

Aranya and Bruce H. - TN

Kevin returned my phone calls when I had questions. He is very courteous and friendly.

Michael B. - PA

Carlton was very personable and took the time to explain everything to us. I truly appreciate everything he did for us.

Grant S. - NC

[My Mortgage Analyst] Miles and I became friends during the process.

Peter C. - ME

Frank was my Mortgage Analyst. He was excellent.

Judy S. and Bob F. - CT

I just wanted to say ‘thank you” for your service in refinancing our home. We found you to be friendly, kind and professional. Hard to find these days! And you also helped make this process as easy and “hassle-free” as possible. We wish you luck in the future and thanks again for everything.

Nathan B. - WY

Frank and his co-workers were very responsive and explanatory during the whole process. Pam and I thank all of you for that. I will definitely recommend Reliance First Capital when the topic comes up with someone.

Donna C. - SC

Ben went above and beyond to help me understand the process and help me through the steps I did not understand.

Evelyn F. - PA

Chris provided OUTSTANDING service.

Joe F. - WA

Everything was perfect.

Jonathan B. - PA

Brad was amazing and his manager called me as well. It did not look like it would work out, but because of Brad finding a way for it to make sense, I now have a great loan and you guys have a very happy customer. Brad deserves a medal.

John F. - PA

Excellent performance. Thanks Sandy.

Dwight L. - LA

Najuma was honest and caring. I just want to say thanks for everything.

William S. & Donna A. - CA

Daniel, our mortgage analyst, went beyond the call of service to make Reliance First Capital our latest mortgage company. If it wasn't for Daniel taking the extra steps to see the two week loan process through (turned into eight weeks), frustrated by the Underwriter, we would have looked elsewhere for a financial institution. He is TRUST WORTHY, A FRIEND TO HOLD YOUR HAND THROUGH THIS PROCESS, COMPETENT BUSINESSMAN who deserves the highest marks from not only his direct bosses, but from the president of the company. He is worth his weight in GOLD standards of the mortgage companies abroad. He should be the Face of Reliance First Capital!

Robert W. - AR

Thank you Wayne and Reliance First Capital.

Janet P. - CT

Steve was very professional. He explained every little detail to me. He went above and beyond to help me out. I would recommend him to anyone. He works with you, explains everything, and he’s very patient with you. He did a very good job. Thank you.

Teresa F. - TN

Kevin was a very nice young man who helped me and was available whenever I call with questions.

David K. - NC

Miles was exceptional - our refinance would not have closed without his persistence.

Michael L. - AR

Chaka was by far the most professional and responsive loan representative I've ever worked with. A great asset to your company, he's a "keeper".

Julie W. - NC

Kevin was wonderful, informative, and made the refinance process easy and painless. Thank you!

Robert Z. - NJ

John explained everything during the entire process so that I fully understood the process. John, I feel, is an exceptional person and a pleasure to work with.

Richard W. - PA

Meredith was very courteous - she kept us informed throughout the process and was always there for us.

Mark G. - AL

Felicia was awesome!!

Jacqueline L. - TN

I don't see any way that you can possibly improve upon perfection! Cornell went above and beyond the call of duty to make sure that my loan not only closed in the amount of time he said it would, he also made sure that every single promise he made was fulfilled. I have purchased many homes in my lifetime, and this, by far, had to be the easiest and most non-evasive transaction I have ever experienced. I will be sure to contact and refer others to Cornell for any future mortgage needs.

John R. - AL

David was totally professional, yet friendly and willing to answer any questions I had, even when I inquired a second time about a matter that had already been addressed. He deserves to be recognized for his customer service skills and personal attention that goes beyond the "call of duty." I wish employees in the "customer relations" field, everywhere, had his professional manner. It was a pleasure doing business with Reliance First Capital, largely due to David's professionalism.

Kathleen M. - PA

In today's age of technology and hurriedness, it is rare to experience one-on-one, personal customer service and finish it off with customer satisfaction. My recent refinance experience with the help of Steve couldn't be further from this truth. From the moment Steve called me, I could hear the enthusiasm in his voice and the passion he had for his job. He was very pleasant and courteous and was obviously well versed in the current refinance packages available. He immediately went to work searching for the perfect plan to fit my needs and customized it to my satisfaction. He always was prompt in returning my phone calls or responding to e-mails. He took the time to explain the process to me in detail, making sure I understood. He composed charts for me to allow me to view the amortization on the different payment plans I had in mind.

When the appraisal came in at a very unexpected and disappointing value, Steve was right back at his computer, once again choosing and customizing a new plan. He explained it to me in detail and advised me that closing costs would be involved with this plan as we had no other choice. Because these closing costs were unanticipated, without any hesitation, Steve fought to lower and even abolish some of the settlement fees, which resulted in astonishingly lower closing costs. I couldn't be more grateful for the willingness he had to exceed my expectations.

The closing was on Wednesday, December 28, 2011, and was seamless; no surprises to be concerned about. I would highly recommend Reliance First Capital, and especially Steve, to all my friends and family who decide to refinance.

Overall, I am extremely impressed with Steve's hard work and dedication throughout this process. I am very pleased with the results, and in the end, I made a great friend. You should be proud to have an outstanding player like Steve on your team. Happy New Year to all of you at Reliance First Capital.

Eric N. - NH

I will be giving a few people Michele's number so they can contact her.

Julia B. - AL

Daniel was personable, professional, helpful, and honest throughout the entire procedure for this refinancing. I always felt that I could question any step in the process and he'd get me the answer. When we ran into a snag, we spoke, I complied with his requests, and he "ran interference" for me. I have bought several houses, refinanced a couple in the past and this was the easiest of any. My past experience in the mortgage industry was much less than satisfactory - in my personal perspective - in terms of demands made upon me for what I thought was unnecessary information. Dan helped me get through this easily. Thanks to Dan I have refinanced my home, gotten a good rate, and have the term I wished to have.

Chris put the package together and did a fine job of keeping me in the loop.

Johnetta T. - TN

Yana was more than helpful, she was there whenever I called with a problem or just for an update. Thank you Yana.

Stephanie F. - AR

Everything was smooth sailing! I don't know how it could be improved. Joe was helpful and kept in direct contact with me throughout the process. He was able to answer and explain to me things that were not at first clear to me. There were no hidden costs, therefore he gained my trust and I felt he was a friend while working on my loan. Thank you Joe!

John W. - CA

Raemi was on top of everything and very helpful.

Romeo C. - PA

Your service is excellent and accurate - more power to all off you, first of all to [my Mortgage Analyst] Daniel and his family... You’re the man... Happy new year to you and your family and to your new born child...

Chris G. - PA

John, Tom, and Brian all worked very hard to meet my financial needs. Thank you all very much!

Misti S. - AR

York was very nice, professional and even discussed business with me on the weekend.

Brian D. - OH

Allen was phenomenal throughout our process. We actually chose Reliance First Capital due to our initial conversations compared to our experience with two other potential lenders.

Leslie G. - IN

York made this loan proceed to close. Without him, I feel that we would have walked away from the deal. He is your best asset. He understands how to coordinate the relationship between the potential customer and the internal departments.

Olivier G. - CA

Johnny was definitely very professional, congratulate him!

Scott M. - NC

Cortni was amazing to work with! She was very knowledgeable and explained things thoroughly. She went the extra mile and always did it with patience and a smile. Reliance First Capital had basically lost our business until Cortni called me and proceeded to take the time to fix our original loan application which was mishandled by another employee. Cortni went so far as to give me her personal cell phone number as she was travelling for Christmas break but wanted to be accessible in case anything came up during the closing. We really feel that Cortni had our best interests at heart and wasn't just trying to get a commission off of us.

Misti S. - AR

York was very nice, professional and even discussed business with me on the weekend.

Dayana Z. - CA

Johnny was very courteous. He explained everything to me in "layman's terms." He was patient and very real about outcomes. I will recommend him to anyone I know seeking mortgage assistance. Thank you! Keep up the great work!

Rosa T. - PA

Chris was knowledgeable and very enthusiastic from the beginning to the end of my loan process. I was quite at ease with the manner that he handled my transaction. I would definitely recommend Reliance First Capital to anyone seeking to refinance.

Diana P. - CA

Johnny was available through the whole process up to the Notary Public and after.

William S. - TN

Felicia was prompt and courteous. Rarely did I feel the need to call because she kept me up to date on progress and needs as we went along. Her professionalism is what decided me to go with Reliance First Capital rather than Quicken.

Michael T. - SC

Marcia took care of us every step of the way and helped us clear some bogus credit reporting. Marcia is a one in a million Mortgage Analyst.

Cara G. - CA

Suzanne is great! Easy to talk with and made the loan process easy. Suzanne was patient and explained things clearly that I did not understand. I have already highly recommended her to several other friends. If, in the future, I need another loan, she will be the first person I call.

William P. - NY

Roseann answered all our questions and concerns and was a pleasure to work with. We are very happy with the Rate we received and the monthly savings from our new Mortgage payment. I will definitely tell my associates and contacts about the excellent service and result we received, and forward any referrals.

Bradley A. - CA

I was in the process of refinancing when I was contacted by Johnny Roscoe. I cancelled the first process which was already 3 months in the making and went with Reliance First Capital. It went so quick and smoothly.

Johnny was very thorough. When I had questions he had the answers.

Gibson R. - OH

Everyone involved in the process was great.

James M. - NH

[Tom] stayed in touch with us and, from his description, went to bat for us.

Verdon S. - TN

Becky kept us very well informed and gained our confidence from the very beginning.

John F. - PA

Sandra was excellent.

Kevin M. - ME

Amber was very quick and efficient. She always glad to help me.

Brent C. - NM

Chris returned calls promptly, very patiently explained all questions in a manner that was understandable and moved the process along quickly.

Christopher H. - WA

Thomas was an outstanding and profesional analyst.

Carl S. - IN

William helped me get the best loan rate and worked to get a great loan for me. thank you Bill and Thank you [Bill’s Manager] Cullen for helping and getting the loan finished.

Margaret H. - PA

Allen has been wonderful through this whole process. In this day and age where there is a lot of computer fraud I was EXTREMELY afraid of giving Allen any information what so ever, BUT he managed to calm my fears and provide me with the BEST customer service I have ever received. I would like to thank him and [Reliance First Capital] for all your hard work and persistence. I felt like he was on my side which was a comforting feeling. My credit was not the best and Allen put me at ease every step of the way and helped me get a great rate in a time when I thought banks were not loaning money to anyone, especially someone with my credit history. Now I am debt free besides my mortgage and it is a great feeling. You are lucky to have Allen as an employee but not as lucky as I was to get him as a loan officer. Thanks Again.

John D. - SC

Nick was very on the ball with the entire process.

Donna B. - PA

[Reliance First Capital] has exceeded my expectations for a financial institution. I have never had an analyst and his manager call to follow-up on our needs and answers throughout the entire process. There was one disappointment which had nothing to do with the bank which was an outside source (appraisal company). I provided my feedback on the situation and John and his manager Ron both handled the situation with above and beyond professionalism.

Both John and Ron seemed to be truly concerned about our needs and assistance throughout the entire process including after closing follow-up.

Annie K. - TN

My analyst Dominic was great.

Brad & Margaret H. - PA

Allen, I wanted to take a second to thank you, and your company Reliance First Capital for all the hard work, and persistence.

When you originally contacted my wife I thought there was no way we would be approved for another loan. Our credit wasn't the best and I assumed banks were still not loaning money. As you probably recall my wife was very leery about who you were and who Reliance First Capital was.

Allen, you were amazingly persistent, patient with us, and a real pro at what you do. You overcame every obstacle we put in front of you and found a way to push our loan through. Because of all your help my wife and I are much more financially secure and I thank you for that.

James W. - NH

Ken was great, thank you.

Lana M. - PA

Bonnie was very interested in finding the best loan for my needs. She went out of her way during the whole process.

Mr. and Mrs. Robert O. - CT

Dear, Jim

I just wanted to take a minute to thank you for making the refinance experience a true pleasure! In the very beginning I had stated to you how much I did not want to become aggravated with the process of refinancing and you assured me that you would make it as simple and easy as possible and I have to say you did. I will recommend you and Reliance First Capital to all of my friends and family. Reliance First Capital should be grateful to have you representing their company, you are honest and forthright that is something you rarely find in the banking industry. I felt you were looking out for our needs every step of the process. I never had to call or check up on what was happening, you kept us informed the whole time, thank you for that. I know my work schedule is very demanding, but you still managed to stay on top of everything that needed to be done and the refinance was faster than I could have ever expected. You have a customer for life and I hope that your company understands how great you are with their customers, once again thank you for all of your hard work.

Robert T. - WY

Thanks so much to Lacy! Her customer service skills far exceeded my expectations, she was always quick to return phone calls and inform us of what part of the process we were in. She went over and above, and I would be happy to work with her again. Lacy was absolutely amazing, she put so much time and energy into helping us.

Joyce B. - PA

Carlton was our main contact at your company and we appreciated all his work in our behalf. He worked very hard to accommodate us with all of our needs throughout the process.

David B. - MD

Amy was always there for me and my family, even when I was about to give up!!

Robert B. - PA

Congratulations on having a fantastic representative for Reliance First Capital in the person of Bonnie Molluso. I shopped for a mortgage beginning in July of 2011. No surprise, I received literally hundreds of inquiries from banks and mortgage companies. Bonnie, after many attempts got me directly on the phone in late October and was kind enough to ask why I had not yet secured a mortgage. I replied "life". I was too darn busy. Bonnie responded that she understood and promised me a limited time commitment if I was willing to work with her. Limited time, a good rate and top notch service. She delivered on all three.

I share this with you because your competitors did not have respect for my time, nor did they offer to take on the responsibility of working to make the experience digestible. Bonnie delivered in every way. She made herself available morning, noon and night, including weekends. She didn't get pithy when I was unable to return a call or unable to respond in a timely manner. Instead she continued to make herself available on my schedule and at each step was kind enough to bring me up to date on where we were in the process and what next steps she would navigate on my behalf based on my approval. Again, you should know that many of your competitors change people in the process and assumed that I was thinking of nothing but the last conversation I had with the salesperson since last we spoke. Bonnie recognized that I had other priorities beyond shopping for a mortgage.

In short, I got a mortgage through Reliance First Capital in November 2011. I saved considerable money both long term and short term. And Bonnie Molluso made the experience completely positive, WOW!

Feel free to share this note with future customers and senior management. You all deserve an "atta boy" for a job well done.

Jonathan K. - OH

Sandra kept in constant contact throughout the whole process and was happy to talk strategy and crunch numbers if I had any new ideas.

Yvonne S. - AR

Jeff went the extra mile in keeping me informed every step of the way which I really appreciated.

William C. - ME

Michael and [his manager] Thomas were very patient with my husband when he was frustrated.

Shari R. - PA

Amy was very respectful and understanding. Great customer service and as helpful as possible.

Michael L. - TN

Felicia provided excellent follow up and worked diligently to get through some of the complexities of my refinancing. She remained patient with my busy schedule throughout the process.

Janice B. - ME

I am writing this letter in appreciation for the service I received in the recent refinancing of my home. Unfortunately, several years ago, I refinanced my home a company at a very high interest rate and found that my payments kept increasing. So, I asked my son to help me find out if I had any other options. Thankfully, we met Darryl.

Although our process was lengthy, due to situation with my previous loan, Darryl helped us through each step of the way. If I had a question he would find an answer and would promptly return all of my phone calls. Now that my loan is complete, I have the freedom to renovate one of the rooms in my home and feel good about the fact that I have a more reasonable monthly payment.

Darryl is the reason we chose to do business with Reliance First Capital. His friendly attitude, attention to our needs and honest character is what made us decide to refinance with your company. Believe me, we received at least 20 calls seeking our business, but my son and I knew from our first encounter with Darryl that he was the one we wanted to do business with. Thank you again for your help with my financial needs. We wish all of you a happy holiday season.

Teresa T. - NH

Jason was more than exceptional! He was always pleasant, thoughtful, and had a smile in his voice - a KEEPER.

Jeffrey R. - AL

Phil was EXCELLENT!!! Phil made this such an enjoyable experience. He really guided me through the process with great ease.

Steven H. - FL

Sash is the absolute best!!!

Cynthia W. - AL

[My Mortgage Analyst] Najuma was exceptional. My father has already called her as well and begun the process for refinancing three of his houses.

Ranjit C. - MD

I appreciate all efforts made by Becky.

Richard P. - NC

Doyle was an excellent professional in every expectation. He is an asset to your firm.

Marshall H. - SC

Once my file got to Toi, she acted immediately to get the process back on track after the slow start from the two representatives before her. She is very caring, knowledgeable, and worked extremely hard for us. She is a true asset to Reliance First Capital.

Jarvis & Dorene A. - NH

Jason was the absolutely, the most honest, caring and friendliest person I have ever come across in the mortgage industry! He really did find us the best option for our loan. Wow! You just don't find that kind of thoughtfulness now-a-days. He took the time to talk to us and at NO time did I ever feel like he was trying to hurry a conversation along so he could hang up. He was very personable. That is why we chose to use Reliance First Capital.

Gerald W. - TN

Very professional and speedy service.

Cora A. - LA

The best way I can describe Najuma is that she was like a "guardian angel” to me. After going through a very harrowing refinancing experience with a major lender for a period of over 13 months, Najuma was the most wonderful person for me to have been put in touch with to see my refinancing through from start to finish. Najuma was always the utmost professional, she never once faltered on not doing something that she originally said she would do. Najuma would call me regularly to "touch base" by giving me daily or weekly updates on how the refinancing was progressing and comparing it to our original timeline. Even if there were small roadblocks that appeared in our path she would call and I could sense a smile on her face, she would say "Cora, we have a little something here that we need to take care of that was unexpected". I felt that the few surprises that we encountered during the process that would have made another agent stop the process, made Najuma even more eager to tackle the problem and see us on to the finish. I truly thank God the day Najuma was given my refinancing to handle. I honestly feel that there could not have been a more compassionate and kinder agent for me who "held my hand" through this process and wanted to help me achieve my goal the way that I only dreamed that I possibly could.

I will always give out Najuma’s name if I hear of a friend who is thinking of refinancing.

Pamela B. - NC

The whole process was wonderful thanks to Sabra. I would refer her to anyone that I know!

Raymond W. - LA

Cornell made a commitment to stay we us during the entire process. It was very long and tedious, however Cornell kept his and stayed through the whole process. Thanks Cornell for a job well done!

Robert J. - NM

My Mortgage Analyst, Raemi, was a pleasure to do business with. I would highly recommend.

James & Diane B. - PA

Jeff was always courteous and professional and included both my husband and I in all aspects of the process.

Donna W. - NM

I appreciated that Gayle called immediately after my initial internet contact. I was just playing around online - otherwise I never would have seriously refinanced having looked locally with not much help from other lenders recently.

Glen G. - TN

Andy is great! He helped us work through our loan easily and this is our 2nd refinance with him. We hope to use Andy for all our residential lending in the future.

Chad & Cristy D. - WY

I am writing in reference to the service we received from Darryl in refinancing our house recently. Darryl was very friendly, polite, prompt to help any way he could, and informative while working with us as well. He answered all our questions, got back to us right away and made this experience as easy as possible. Darryl even made it a learning process for me. I would recommend Darryl to work with any of my family or friends in their financial needs.

Connie F. - SC

Doyle went above and beyond the normal parameters of a mortgage analyst to secure my loan. Without his knowledge, expertise and perseverance I would not have closed on this loan and also enjoy an outstanding rate. He is an asset to Reliance First Capital and I will certainly recommend him and Reliance First Capital to my friends and family. Thank you, Doyle, for your help. You were God sent.

Robert B. - PA

Bonnie helped me with more than getting a great loan at a good rate. I tried to get an affordable loan five months ago, but I could not get it because I needed flood insurance. But to get the flood insurance I needed an Elevation Certificate. I made countless numbers of phone calls to insurance companies to get quotes and info as to where to get an Elevation Certificate. I called and researched online with FEMA, county records and other branches, the township and many more. If I got an Elevation Certificate insurance would be cheaper but the Certificate would run me about $5,000.00 and no one seemed to know how to go about getting this Elevation Certificate. I even had a guy from FEMA call me about raising my house. Well, I told him I bought my house already raised and I asked him if they would help me get an Elevation Certificate. He told me they don't do that, go figure! Well I decided not to get flood insurance and pay off the 7.25% loan as quick as I could. Then one day God sent Bonnie to me. She found a company that did Elevation Certificates which turned out to just cost me $7oo.oo - allot cheaper than $5000.00. Then she found me flood Insurance for $680.00 per year with $1000.00 deductable, $5000.00 deductable would have been even cheaper. When I did have insurance before I was dropped by Foremost Insurance around the time of hurricane Katrina, I was paying $450.00 per year, so you see, this was my miracle. Now my two loans are one, I'm insured, my bank is not hassling me any more (though they did not require me to have it when I got the loan, that’s another story) and I'm saving around $400.00 a month and I'll have both loans paid off in ten years, rather than what would have been another 25 years. So thank you Bonnie and thank you Reliance First Capital for being wise enough to employ Bonnie.

John F. - NM

Christopher was a very good analyst.

Carroll J. - NH

Tom made the process go as smoothly as possible. He did his best and beyond to make it right.

We just want to thank Tom for what he has done for us.

Jeannine C. - PA

My Mortgage Anaylst Daniel was great.

Margaret C. - ME

Michael provided outstanding service throughout the process. He went the extra mile when it wasn't necessary. Michael is the single reason I went with and remained with Reliance First Capital.

David N. - IN

Bill handled my refinance in a quick and professional manner. He truly exceeded my expectations. I would certainly recommend both Reliance First Capital and Bill to a friend.

Scott S. - PA

John was extremely helpful and patient through a process that lasted nearly 12 months (for personal reasons). Ron, his manager, was also very professional and worked to cater this refinance to our specific needs.

Mike & Antoinette C. - NY

Jim,

Just wanted to say thank you for your professional, quick and efficient execution of our refinancing. When other brokers were unable to help us, you were able to assess our situation and not only put together a loan, but a loan that saved us money today and will benefit us with even greater future rewards. Whenever someone I know needs a mortgage I will surely be happy to refer them to you.

Thanks again!!!

Todd B. - WA

John made timely calls and was professional, competent and friendly. He also listened to my bad jokes.

Sammie W. - TN

Alex was so kind to work with. If more institutions had men of his caliber the financial world would be great. He was very informative and was calling us every day to check on us and make sure all was going well. I just can't say enough about this young man.

Richard S. - TN

I recently worked with Lacy on the purchase of my new home and I just wanted to express my appreciation to you on how professional of a job she did for me. Lacy was very helpful throughout the process and honestly helped save the deal on my purchase. I have recommended her to a few others who have all been very pleased with her as well. You definitely have a strong and very dedicated employee working for you and I will continue to use and recommend her and Reliance in the future.

Thank you very much.

Larry B. - AL

I had other offers to go with other companies, but because of Richard's friendly manner and the way he treats you as a friend instead of a loan number, there was not any doubt I was going to use Reliance First Capital. Give Richard a raise if he treats every customer the way he treated me - whatever your paying him is not enough. Thanks.

Jonathan S. - TN

Lacy at Reliance First Capital provided tremendous customer service and helped to facilitate the process with a high standard of professionalism.

Edward R. - TN

Samantha worked hard to make the deal happen. I appreciated her efforts and keeping me apprised of the situation.

Robert K. - PA

John followed through on the entire process, from start to finish, to the proper and expected result.

Joanne K. - NC

Sabra was a constant source of details and information. Glad she contacted us to talk us through our options.

We were surprised by the options we were given and details supplied.

Edward G. - ME

Frank did an excellent job with our loan.

Jennifer S. - KY

Ed was there for me every step of the way. There were times that we had contact several times a day. He seemed genuinely concerned about my personal financial situation.

Susan C. - NC

Sabra was excellent. She was professional and very informative about the process.

Alexandra B. - PA

Steve is a man of his word and made working with Reliance First Capital a pleasure especially since the previous broker I was working with made a loan process a nightmare.

Thank you for helping me when I really needed it.

Lillian C. - MD

Marcia was truthful, professional. I was kept informed and all my questions were answered and she helped me to understand all aspects of the loan proceeding. The loan was processed in a timely fashion and all my expectations were met.

Debra S. - PA

Scott was very attentive and kept me informed throughout the process. His knowledge and professionalism were outstanding. I will recommend him to my family and friends.

Peter Z. - PA

John provided excellent service. He was a pleasure to work with. I will recommend Reliance First Capital to anyone I know looking to refinance.

Laurie W. - SC

Ed was extremely professional and honest throughout the process. He was also very personable - I actually feel like I got to know him a little bit.

Mary P. - LA

Every detail was done accurately.

Brian M. - PA

Mary did a fantastic job as my mortgage analyst.

Garry S. - MD

[I am] very pleased with the current process.

Susan L. - AL

I looked at another lender but Miles’ maturity, honesty and knowledge about loans made the decision for me.

I have told some friends about how pleased we were and none have needed your services but we will continue to recommend you.

Dan provided excellent service from start to finish. He truly is an asset to your company. We will definitely call upon him again with any further mortgage needs.

I will definitely refer my family and friends to Dan.

Michael B. - WA

Daniel was wonderful. He answered all my questions, kept me informed the whole way through and managed to be professional, courteous and kind. We will definitely be contacting him in the future for any other services we may need.

Beverly A. - TN

I just wanted to let you know that Wade met all of my expectations during this process. Even though there were ups and downs, he held my hand through the whole process and made something that could have been so stressful a little less stressful with his calming and positive attitude. I had heard a lot of horror stories about refinancing and was prepared to have a lot more problems than we actually had. So thanks again to Reliance First Capital and thanks for having an agent as caring and knowledgeable as Wade.

Wesley M. - AR

Kevin was very helpful. He knew what he was doing, how to make me feel at ease with this process and kept me informed every step of the way. If I had any questions he got back to me very quickly.

Reynald V. - NH

Tom provided excellent customer service and was upfront and honest about the entire process.

Stanley F. - NM

We tried refinancing before but were turned down twice. Ken said he would get the loan done and he did, saving us almost $300 a month. We're on a fixed income, needed the savings and appreciate his help.

Yvonne L. - NM

Gayle provided me with exceptional service starting with her initial call to refinance my mortgage. She provided me with a service that I didn't even know I needed or wanted. From start to finish she was upbeat, optimistic, confident and professional. She made me feel like a close friend and if I know of anyone needing a mortgage I will most certainly recommend her. It's been a real pleasure, please thank her for me.

William R. - ME

Ken was exceptional in his professionalism and knowledge of the mortgage market. He oversaw the process from beginning to end; it was nice to have someone like Ken on our side.

Kathleen S. - OH

Ja'Neen was my mortgage analyst and she was very professional and very well informed. She answered all my questions and helped me with a credit problem that was not done properly with my first mortgage. We talked just about every day and I felt I could call her at any time. She is an asset to this company. I feel like I have a very good person/friend I can and could trust for the help I needed. Because of her and her staff I have had a wonderful experience with Reliance First Capital. Thank you.

I was impressed that Brian (Ja’Neen’s manager) took the time to call me and talk to me telling me if I needed his help he was there. There was surprising to me. I'm sure he was busy but he took the time. Thank you.

At this time I don't have a referral but your company is the one I would certainly recommend for your exceptional service and your caring analysts and staff. Thank you, again.

Christopher R. - AL

Jason provided exceptional service.

Kristie M. - PA

John was extremely helpful and attentive. He returned calls promptly and was great to talk to. I appreciated his directness and honesty...and patience!

Dale J. - AL

Jessica was very professional. Now, that the loan process is complete, I actually feel like I am losing a friend. Jessica is a great person and I enjoyed working with her.

Dee & Nick R. - TN

I would like to praise your employee, Lacy, for the excellent service she provided us over the last SIX months. She never gave up on this complicated process of refinancing. She continued to work day after day and stayed calm when she knew we were increasingly frustrated. She used her knowledge and other resources to make this happen. We would welcome her assistance in future and I am sure she is an asset to your company. Please tell her “Thank You” once again.

Delmer L. - WA

John kept me informed. When we thought the loan was dead because our house was on the market within the six month window he fought and found out we could still continue the loan process.

Curtis H. - AR

York helped us with our loan. He gave us continuous feedback. He is a dedicated, hardworking, young man who has real leadership and management ability.

I checked [Reliance First Capital] out on the web and I got more positive results than negative that speaks volumes of the company's history. At this time I don't have a recommendation. I will keep you in mind and tell people about you whenever the opportunity arises.

Randy N. - IN

Brad did a fantastic job in customer service.

Allison and George H. - TN

Dear Lacy,I (we) want to take the time to "Thank You" so much for all your "hard work" with our loan process. You were so reliable, honest, kind and you really care about your clients that you work with on a daily basis! You know the journey that George and I have been on the last four years! Therefore, you know how much this will impact our lives again!! We are so excited!!! We have also gained a friend!

If you ever need a good babysitter or favor, let us know. We will stay in touch. Also, I will be passing the word for future referrals. I will stay on Kevin :). God bless you Lacy! We are so glad to have you as part of the next chapter of [our] lives. We are so grateful!! Hugs!

Dear Michael,I would like to take the time to express how professional, honest, patient, and caring Lacy was to us as we just closed on a home today. I would highly recommend her to anyone who is looking for a mortgage analyst. I wanted to take the time to let you know how valuable she is and was to us! I have one request after you read this email. Please let her know right away that she received some high praise from one of her customers!! Sincerely, Allison & George H....New Home Owners as of today!! Thanks!!!!

Winnovene B. - AR

Joseph was always available and was able to answer any question I had.

David S. - TN

Sharon was very prompt in answering my questions and kept me informed at all times the status of my loan after application was submitted. She was a real professional.

Cheryl L. - NH

Andy was a pleasure to work with and he's an asset to your company! Thanks for making it easy Andy!

Patricia B. - TN

Kevin was most helpful, he answered all of our numerous questions and was very patient. This is our first experience with refinancing.

Martin G. - NH

Sandy is the best plain and simple. I will recommend everyone I can to her. She is just awesome. I wish I had friends like her - she is a valuable asset to your company.

Darcy L. - ME

I did an internet search on refinancing and was contacted by Reliance First Capital amongst many other companies to assist in the refinancing of my home. After speaking with Michael the first time, I was confident that Reliance First Capital would be the company to earn my business. The service was outstanding. Michael was awesome to work with; he was very helpful, professional and always had an upbeat positive attitude. Thank you!

Frank W. - PA

I want to thank Sandra for her excellent help. THANK YOU SANDY!

Robin E. - WA

Ryan worked hard on our behalf to convince the closers that we should get our loan.

Margaret A. - NH

Raemi was extremely helpful, courteous and went beyond to answer all our questions.

LaVerne B. - PA

Shawn was very patient, courteous and responsive to my needs. This was a big step for me and he demonstrated concern for my fear.

Robert H. - SC

Adam was kind, courteous, thoughtful, patient and eager to answer questions. I will surely recommend your company to all.

Alvin H. - NC

Dean was the most professional Mortgage Analyst. He was attentive and responsive to all questions.

Cornelius E. - NY

Erick was great to work with, kept us informed every step of the way.

Catherine P. - TN

Jason kept me on track, was friendly and personable.

Philip C. - PA

Ken made our refinance a stress free process. He was informative, patient and professional. Ken allowed us to ask questions and gave us non pressured answers allowing us to make our decisions.

Marilyn O. - PA

Keep up the wonderful service your analysts do. Our experience was great. We had started this process back in May with another company. They dropped the ball and when it was "retrieved" we were told that a minimum of 4 months was needed to reprocess. Your company had everything completed in less than 4 weeks!! Kudos to Meredith!

Meredith, from beginning to end of the process, was professional and caring of our needs. She went over everything that was going to take place, thus we had no questions. She made everything "painless".

Paul M. - NY

If it was not for Erick's persistence and professionalism I would have never followed through with Reliance First Capital. Erick showed exceptional customer service and that is what sold me. There are too many companies today that think everything is about lower cost and to achieve the lowest cost the customer has to suffer with lack of customer service. I can tell you that that is not true with Reliance First Capital but more importantly with Erick. I made him work very hard for this mortgage testing him all the way and he persevered all the way through.

Victor G. - PA

Cullen was available at all times and thorough in customer service and product knowledge.

Kevin W. - SC

The purpose of this communication is to express my sincere appreciation and thanks for the exceptional service and professionalism exhibited by your team throughout our recent mortgage refinancing process. Over the years, my wife and I have executed numerous initial and refinance mortgage transactions, yet this is the first time we have felt compelled to write such a letter.

Ben is to be commended for a job well done. From our initial discussion in which he thoroughly and effectively explained the various refinance options that were available to us, through his follow up call last Thursday evening to confirm that the closing agent from the attorney’s office had arrived at our home to complete the loan documents, Ben’s responsiveness to my questions/concerns throughout the process conveyed a caring, customer-centric mindset which, as a deliverer of customer service throughout my own career, I really did appreciate.

Speaking of the closing agent, John is also to be commended for his efforts in this process. From the time he arrived at our home which was exactly one minute before the time promised, Jon efficiently managed the documentation signing process while effectively explaining the purpose of each of the documents and sufficiently answering our questions. Please pass my thanks along to John’s office.

Finally, but probably most importantly, I would like to recognize the first person with whom I spoke at the very beginning of this process. Yesenia contacted me by way of a telephone “cold-call”, initiating a discussion about the possibility of refinancing my mortgage loan. Having experienced numerous such calls over the years, my initial reaction to her call was “thanks, but no thanks”. However, as a result of what I call “active listening”, Yesenia did a good job in responding to my questions and objections, eventually convincing me to agree to have a follow up discussion with one of the mortgage analysts. The rest, as they say, is history. I shared this story previously with Ben, and it’s my understanding that he has passed my kudos along to her supervisors.

As you probably can tell, I am very particular about companies with whom I do business, especially those that have (or should have) customer service as a key deliverable. Frankly, I had never heard of Reliance First Capital until that first call from Yesenia, yet through every step along the way, including the positive results from an inquiry I made through the BBB, I have come away quite impressed with your organization. I recently retired after 32 years of service, thus my interest in, and insistence on, good customer service.

Cindy J. - PA

Regan communicated on a daily basis and provided much less stressful experience with refinancing than I ever had in the past. His manager, Sara, also did an excellent job.

LeAnn M. - TN

Gwen walked me thru every step of the way and was very personable.

Elizabeth C. - AL

Dominic was an excetional mortgage agent. He was courtous, friendly, explained every detail, would always make sure I understood what I was doing and explained that he wanted waat was in my best interrest by explaining options and answering all my questions. I would recommend Reliance First Capital and Dominic to anyone interrested in refinancing.

Kevin W. - SC

From start to finish, a job WELL DONE! Every person involved in the process conveyed a customer-centric approach for which Reliance First Capital should be commended!

Susan M. - NH

Shane is phenomenal. He provided exceptional service and was great to work with. He was very sympathetic to our financial situation and made certain that everything went smoothly. I would work with him again in the future for financial services.

Thomas R. - CA

Daniel did exactly what he said he would do. He is honest and direct. He didn't waste my time. He's a good man for Reliance First Capital.

Terry H. - WA

Felicia and Diana both had a spirit of excellence.

Abdelmadjid A. - MD

Bonnie was exceptional from the start. She convinced me it could be done whereas other institutions left me hanging! We closed in less than 3 weeks!

Bonnie and her team addressed the challenges and hurdles with my application and got it done! When Bonnie says it can be done it will be done!

Bertha M. - CT

Erick made the whole process easy and always explained each step. I would recommend Reliance First Capital and Erick to everyone that needs a mortgage.

Donnie N. - KY

[Steve was] A pleasure to deal with, he kept me informed throughout the process.

Pam F. - SC

Anthony was great to work with throughout our loan process. He always kept us informed and checked up on everything. If we had questions, he always answered them positively without making us feel inferior. He was compassionate and even called to check on me after I had been to my oral surgeon. He is FANTASTIC to work with - I just regret we never had the opportunity to meet face to face because he went above and beyond our expectations. My husband was very leery of conducting business as important as refinancing our mortgage electronically but Tony was very reassuring and professional. I would highly recommend him to anyone wishing to refinance. Thanks for making this process go smoothly!

Edwin H. - CA

Raemi was always willing to answer all my questions. She was knowledgeable, informed and was quick to respond. It was the best refinance experience I've ever had!

Richard K. - NC

Miles and his manager Dianna were both absolutely terrific.

I requested a copy of our appraisal since I hadn't received it yet. Don't know who was supposed to send it to me originally; but Miles had it to me within ten minutes. Had the correct copy for our records of the entire settlement package within 20 minutes after I called Miles. Dianna and Miles both ALWAYS returned any messages I left for them within 10 minutes. I have NEVER had such good service as I did from these two people at RFC in Charlotte, NC. I will refer everyone I know who is looking to refinance to these two people at Reliance First Capital_italic">Reliance First Capital.

Edwin H. - CA

Raemi was always willing to answer all my questions. She was knowledgeable, informed and quick to respond. It was the best refinance experience I've ever had!

Bruce and Pam S. - NH

Ken, thank you again for all the work you did on our refinance. Your professionalism, attention to detail and, of course, your ‘so calm’ demeanor made the whole process almost enjoyable! Checking in almost daily to answer questions or to let us know what was happening was really appreciated! We hope your company realizes what a great job you do.

Larry H. - AL

Raemi went the extra mile to get our loan processed and closed.

Cheryl T. - PA

I have worked with several other companies to try and make our loan work, Yana was the only one creative enough to put one together.

Margo M. - KY

Ed was very easy to work with.

Troy F. - IN

York was awesome!!! I will recommend him to everyone!! He always kept me in the loop and even contacted me right after his wife gave birth to their beautiful baby girl!! Above and beyond, a wonderful person.

Robert E. - WA

Christopher was a very professional, knowledgeable and amiable person to work with during a time that is usually very stressful. He always called to let us know how things were going, what we needed to do and what to expect. He always answered our questions with courtesy and kindness. He made it a comfortable and great experience. We consider ourselves very fortunate to have had him for our mortgage analyst!

Gerald F. - PA

One of the best services provided - great experience

Irene W. - OR

It was a great pleasure to be able to work with [Reliance First Capital] and I very much liked working with Robert he was very kind, patient, and knowledgeable and took his time to explain everything. Even when I was totally confused he never lost his patience - such an awesome person on your team. Thank you very very much Robert, if it had not been for all your patience and kindness I would have just not gone through with the whole deal. Thanks again to the whole team that helped to get this done for us. We are so very grateful.

I will be sure to recommend [Reliance First Capital] and to work with Robert - he was fantastic.

Kimberly K. - AR

Phil......Absolute Professional & I will refer anyone to him!

Beth M. - PA

Steve understood and helped us out and made the process very easy for us. It was a painless process!

Katheryn M. - WA

Much easier than the previous refinances that we have done in the past. Was hesitant at first, but the farther I got into the process I saw how easy and quickly the process went.

Emmerette B. - LA

As a first time home buyer at 25, the experience exceeded my expectations by far: in a great way!

It was a smooth, comfortable process that truly made my first time buying a house MUCH easier than I had ever expected! Raemi was amazing and I feel like I know her personally! It seemed like I had a family member helping me along the way, looking out for my best interest the entire process. I could not be more grateful.

Heather K. - TN

Sharon was amazing. She was always in communication with us every day even if there was no new news. She was personal yet very professional.

Bryan F. - TN

Kevin was great - he kept me informed from the very beginning and acted very professionally. He treated me like family and I truly appreciate it.

David R. - MD

Nick quickly responded to any inquiries and was very knowledgeable and extremely helpful to me in understanding my options and the paperwork.

Virginia P. - LA

Raemi is a gem in your company.

David C. - AL

Glenn was a tremendous help in walking me through the entire refinancing process. Glenn was always extremely courteous and professional and worked closely with us to ensure he understood our needs and goals and used those to provide the best options for us. It was a real pleasure to work through the process with Glenn.

Keep up the great work. You have an exemplary process that should be used by the rest of the industry!

Dale H. - TN

Alex provided excellent support and help for our refinancing. Results were better than I expected.

William H. - SC

Nick was there when I called, and put forth an extra effort that I was unable to find at numerous different lenders. Even if I didn't get the refi I would recommend Nick for anyone simply because he tried hard to help me. He told me, "I am in the helping business," and he proved that to be true. Thanks again Nick

Michael D. - TN

The process was smooth and easy. Ben was a pleasure to deal with. He and the Reliance First Capital team worked with me to raise my credit score a few points to get me the loan that I needed. I just went through a divorce and I was dreading the process of refinancing the house. Ben made the process easy and explained each step in detail. Other companies that I talked with basically checked my credit and told me what they could do for me. Ben did that and had a Credit Analyst review my credit and help me raise my score to get a better deal. Since I was trying to raise my score, and the process took a little longer, Ben called a few time each month to keep in touch with me and make sure we were still on track. Thank you Ben and the Reliance First Capital team.

Bryan F. - TN

Kevin, I want to thank you for all of your efforts. You did a fantastic job from start to finish ensuring my total satisfaction. I truly appreciate it and would highly recommend you and [Reliance First Capital] to all of my friends, co-workers and relatives.

Thanks again!

Lowell T. - NH

Jim is very good at doing "the process".

Jason B. - TN

Rose was wonderful and very easy to work with.

Marc L. - ME

I received many other invitations from other financial institutions after replying to a refinance add on the internet. From our very first conversation, I sensed Michael was the one person who stood out among your competitors. He exuded professionalism, knowledge and patience throughout the loan process. His clear, concise and accurate answers to my frequent questions made it all the more obvious that I selected the right person to handle the refinancing of my home. In my opinion, he is the quintessential example of the perfect employee. I most certainly will seek him out if ever I need financial services in the future.

Christine L. - WA

[Rhiannon] was very informative and explained changes in depth or went and found answers for me. She was great, even-tempered and kept me from walking out the door at times.

William A. - TN

Lacy has been the best Mortgage Analyst we have ever worked with that that probable cover our experience with Realtors’ too. She has a great way of explaining the refinance process and what things mean I still get lost in the details I know more than ever before and feel a lot more comfortable about mortgage financing and look forward to letting her list our home for sale and new purchase in the future. I think if more Mortgage Analyst took the time and explained thing the way she does more people would feel comfortable with financing and refinancing their homes up until know our experiences have been a living hell. Once again I would just like to thank lacy and you for a great experience and I will do my part to spread the word about Reliance First Capital.

Ken S. - MD

John made this process for my family very smooth. He worked very hard to earn our business. He should be commended. John you are the best. Thanks again.

Robert S. - LA

Adam was very helpful in finding the best refinancing for me and a good interest rate. He was also very friendly and a people person.

Michael & Felicia M. - AR

When my wife and I first began trying to refinance our home, we found the experience to be quite demanding and difficult to say the least. We built our home just before the housing market crash, not realizing that in just a few short months our economy would encounter so many sharp blows. Although blessed with having the opportunity to build and live in our own home, we quickly came to realize we were in trouble. We used a building company to build our house and our mortgage was financed with a construction loan, 30 yr. fixed, zero down, no payments for 6 months, 7% interest for 6 months, and 9.97% interest beginning the 2nd year and every year thereafter. A "step" mortgage they call it. Sound familiar? Well for us it was perfect! We had a plan! Our plan was to refinance immediately upon completion of our build. We knew we could get a better interest rate on similar terms so all we had to do was wait it out for the first year. Genius! After all, it was working with our friends right? Wrong!! Well for our friends maybe. To make a long story short, banks quit lending money, even though we met minimum score requirements. Because our mortgage was new, appraisals were coming back too low because market values were tanking. We had very little equity and to top it all off, we found out we were trying to refinance through companies who were, shall we say, less than honest with us? So we ended up spinning our wheels in the mud of a 9.97% interest rate for 3 years! Never missing a payment, but never reaching our financial goals as planned, and only about $70.00/mo. going toward the principle. Sheesh! Well, after some time had passed since our last attempt to refinance, and after having saved a little money to counter the costs at closing, my wife and I decided we would try again. We had been beaten up but we had not given up! Somewhat reluctant, yet determined, we picked up the phone and called the one company we both felt had been the most genuine with us, Reliance [First Capital]. Making initial contact with Taylor, and having the opportunity to explain our situation and all the reasons for past disappointments, my wife and I felt an unknown sense of ease this time around. Not only was he confident but he seemed to really care about our needs and financial goals. He explained to us that based on what we had told him, factoring in all the potential challenges we faced, there was someone working with him that he trusted could take care of us. He politely asked if he could have her return our call to discuss our situation and we agreed. After about 15 or 20 minutes the phone rang and it was Taylor. On speakerphone so my wife could hear too, he informed us that he had his trusted mortgage analyst on the line ready to transfer and assured us that she was the one for the job. After thanking him he promptly transferred us to the most pleasant and reassuring voice we had encountered in any of our refinancing endeavors, the voice of Sara. Sara was awesome! Her attention to our needs and goals was superb! Sara handled our deal as a true professional, with so much precision that sometimes my wife and I would look at each other as if to ask, "Is this for real?" Well I can assure anyone reading this that yes, it was absolutely for real! She never promised anything that she didn't back up. In a short amount of time, despite all the obstacles encountered, Sara came through and got our deal done! We were at the closing table and our dreams were finally becoming a reality! There is a lot more I could say about Sara and Reliance [First Capital] as a whole but to sum it up in a word I would have to say the best word to describe our experience is "relief." We can breathe now! Our payment dropped from $1248.00/mo. to $916.00/mo. Our interest rate was slashed almost in half! You bet we're breathing easier! My wife teases me a lot so after one particular conversation with Sara concerning our deal, we hung up the phone and I breathed a sigh of relief. I said, "Honey, why couldn't we have met her before?" Seeing an opportunity to tease me she answered playfully, "I think you just like the sound of her voice!" Ahem! What could I say? After a few seconds of raising eyebrows and smirking at each other during the brief silence (you know the Twix moment) I quipped back, "Well after the good news we just got, don't you?" Ha! Touche! All she could say was "I guess you have a point there!" The truth of the matter is that we are very grateful and appreciative to Sara for all of the hard work she put in to helping us out. She wasn't just a mortgage analyst and certainly not just another voice on the phone. To us, she became our friend. We hope she feels the same way, and getting to know her like we did, we are confident she does. On behalf of our family to hers, thank you Sara. You have been a breath of fresh air! And thank you Taylor and the rest of the Reliance team! Somebody sure was thinking when they hired these two. We're so grateful! And now my wife and I shall celebrate with a victory dance and then go to dinner with some of the money we're saving! Thanks again!

Lisa T. - WA

Thank you Dan for handling my parents so well. They appreciated the fact that you asked for all the documents at one time and didn't keep coming back with more stuff that needed to be submitted. Thank you very much.

James D. - TN

Alex was completely outstanding. He kept me informed every day throughout the lengthy process. He always kept a positive attitude and made me feel more at ease. Alex is a very unique individual in that he is operating at a very high professional level. He worked hard on my loan, including having to contact my ex-wife to convince her to sign a Quit Claim Deed. He is also very personable to the point that I have a new friend. I could write a five page dissertation on his performance.

Linda R. - SC

Toi was extremely personable, knowledgeable and articulate. I have referred my son to her.

Yvette C. - CA

York was my Mortgage Analyst. I am very pleased with his professional and courteous service. He always informed me every step of the way.

Regina M. - PA

Sandy went out of her way to help me.

Derrick H. - PA

Deane was very helpful and walked me through the whole process step by step. At Reliance First Capital you have a very nice and helpful Mortgage Analyst on your staff. I will be recommending him highly to all my friends and family.

Jose Z. - CA

Erick was very nice and answered all of our questions, helped to make the best decisions and made everything fast and easy.

Everything was excellent – Keep up the great work!!! Thank you for everything!!!

Linda H. - WA

Thomas was like a new friend. He was always there to answer all my questions.

Having had a bad experience with another lender because they changed agents several times during the process I liked having only one person to stay with you through the entire process. Thomas was excellent during the entire process and if he had any questions as to conditions or areas he was not sure about he consulted his supervisor Brian. They have a good working relationship and it is very helpful to have an answer within minutes.

Robert D. - CT

Erick is an excellent guy, helped out completely.

Michael R. - CT

Bonnie gave us great advice and we were able to get a low fixed rate that saved us over $170 per month. I have already started giving her leads to call so that she can further help others.

Robert W. - MD

The loan process was easy and went as I was told it would in a timely manner.

Bobbi L. - AR

York was very courteous and friendly. He was very informative.

Dennis R. - ME

Mike was professional, prompt, and our loan went through without any issues on [Reliance First Capital]'s part. I will be happy to refer anyone I find who is looking to refinance.

Marjorie C. - PA

The loan process was excellent. Tom talked to me on the phone and explained everything and returned all my phone calls even on weekends. He was excellent. I told my daughter about Reliance First Capital and if she is interested in refinancing, I will definitely give her your information.

Michael L. - NY

[Reliance First Capital] is filled with sensational professionals that are truly dedicated to this business and are a true pleasure to deal with.

James C. - AL

Gayle was wonderful. She called regularly and kept me informed.

Paul P. - PA

I feel that everything went great, thank you. Keep up the great work you are doing.

Alfred S. - LA

Robert was very helpful to me in the stress I was having supplying all the paperwork required. Thank you Robert.

Carol W. and Tom B. - ME

Jim,

We cannot thank you enough for your help with our recent refinancing. Holding an interest only mortgage on a second home which has dropped radically in value was not an easy position to be in. Your knowledge of the markets, of a Fannie Mae held mortgage, as well as your persistence and expertise, helped guide us through this maze.

Thank you again.

Joseph G. - LA

Suzanne was very eager and helpful throughout the entire process. In fact, I was already set to close on another re-finance loan, not with Reliance First Capital, but Suzanne's persistency and continued information helped me realize that I was not obtaining all of my goals with the other company. I lost money upfront due to up front close with the other company, but I will get that money back and then some with my current Reliance First Capital loan!

Charles H. - LA

Jessica delivered what she promised. Excellent and professional service.

Jessica kept me aware of every step of the re-fi procedure. She was readily accessible. Great job. I am very well satisfied.

James H. - CA

Trever was great to work with - always in touch.

Althea C. - IN

Yana is all that and a bag of chips. I really enjoyed working with her. She is friendly, yet professional. She never let you assume anything. Yana just works with the facts.

Timothy T. - IN

Everything was excellent, easiest closing and loan process I have ever had.

York was extremely professional, answered all of my questions with very knowledgeable answers.

Howard and Rebeca P. - KY

Don’t change what you are doing! It's working. Sara was awesome and very prompt, courteous and always explained everything. I am very impressed. I attempted to refinance twice with Chase and waited over eight months only to give up and fight with them about returning my 'good faith' deposit. I closed in a month with you all and took advantage of the low mortgage rates...Thank you very much. Sara deserves a raise!

Sara was quick to respond, call and kept on top of everything. I will recommend [Reliance First Capital] to anyone because of Sara's diligence.

James S. - TN

Marcia Murphy was very helpful with my loan process. I have never had a loan go so smoothly. The closing was fast and easy since they came to my home. I would call Marcia if I ever need help in the future.

Ronald L. - LA

Robert and Nancy both worked very hard to get our loan approved.

Arturo S. - SC

Matthew went the extra mile to communicate with us and with our son to explore all of the options available and answer questions. Sara in underwriting was most helpful in locating the best offer available. The lawyers who researched and handled the legal details were thorough! Tom who visited our house was most courteous and knowledgeable about the process! Thanks to all! Even the young man who initially telephoned our house was instrumental. Most of all I believe the LORD Jesus Christ blessed all of your work for HIS Glory!

Elias S. - PA

In my opinion, I think you did the best job that any customer could ask for. Christopher gave me the best service. I never had someone like him work with me on such a task. I had about a dozen loans before and this is the best time that I have received service of such excellence. He answered the phone anytime I called, had so much patience with me, and he was very respectful and honest. Keep people like Christopher working for you and for us. I will always be your customer.

Richard W. - TN

Ben was my Mortgage Analyst and did a great job and kept me very informed and explained in detail all aspects of the loan process.

Stephen D. - AL

I myself am a banker and I was very impressed with the speed and ease with which our loan application was processed. Tina-Marie is a true asset to [Reliance First Capital]. It seemed that she went out of her way to make sure my husband and I always knew exactly where we were in the entire process. She made it easy for us to get information to her and explained things in detail. Our mortgage department could take lessons from her. Please thank her for us.

Barbara C. - PA

Having been through the process before, I knew a little of what to expect. All went very smooth. Thank you for helping me to get a better handle on my finances.

Gilberto and Soledad P. - CA

Erick was there making sure we understood everything. He made sure to call and check in to make sure we were aware of what was going on. He made us feel very comfortable and helped us take the right steps.

I was very happy with the rapid responses. It was very easy to stay up to date, whether it be through email or over the phone. I will gladly recommend Reliance First Capital to anybody who asks in the future.

Maxine G. - FL

Michele was absolutely wonderful. She far exceeded my expectations. It was a comfort knowing she was on the other end of the phone or an email. I don't know what I would have done without her.

Lewis M. - SC

Very positive experience.

Michael P. - PA

Yana is truly a great asset to your company. She went above and beyond my expectations in a friendly, professional manner. Thanks Yana.

Elaine S. - NH

John was amazing throughout this process. From the first call through the last, we felt like we were treated like real people not just another faceless client. He created a personal connection which was reassuring since we were doing business through phone conservations and email. We also faced the sudden illness and death of Alan's aunt during the end of this process. John made sure we closed in time so we could travel to North Carolina to be with the family.

This entire process of refinancing was made so easy for us. We really appreciate the hard work everyone did to make this happen for us!

Biruk A. - LA

David was very courteous and informative. He was very fast in providing the services and explaining the whole process. He answered all our concerns and questions about the refinancing and was able to help us refinance in 2 weeks. He made the process look easy and straightforward.

Gayle L. - KY

I just wanted to let you know that Jeff did a fantastic job in helping me refinance my home. My situation was very unique to say the least but Jeff used his knowledge and expertise to help me along. I found him to be very honest, straight forward and very professional. He kept me informed and reassured throughout the whole loan process. He was very patient with me and answered my questions over and over. He definitely had my best interest in mind. My experience with Reliance First Capital and Jeff has been phenomenal. I will definitely recommend Reliance First Capital and Jeff to everyone I know who needs help with obtaining a mortgage loan. I am so thankful that I was put in touch with you. I greatly appreciate everything you did to help me obtain this much needed loan. I am very grateful to you for helping me change my life financially. Jeff deserves a raise and a vacation! He is definitely a great asset to the company.

Stephen T. - KY

Tony, my mortgage analyst, went above and beyond in helping me straighten out an error in my credit report so that I could get the lowest interest rate for my credit rating. He even conferenced in on some of the calls when I was having no luck getting results. He is both professional, keeping me in the loop at all times, and personable.

Melissa B. - PA

My loan processor Nikki was wonderful and an absolute pleasure to deal with. She kept me informed throughout the entire processing process and always had an immediate response to any questions I had.

Charles M. - AL

Tina-Marie was wonderful to work with throughout the process. Very professional and helpful.

Lisa C. - ME

James is excellent and someone I would recommend without reservation. Our experience with him was outstanding.

One reason we initially went with Reliance First Capital is because James was so thorough and knowledgeable from the beginning. Also, some of your competitors had people make the first call and would then have you talk to a second person as though they were trying to weed prospects out before passing you on to someone more knowledgeable. In talking with James, he inspired confidence and I feel that his customer service skills are exemplary!

Henry L. - KY

Marcia was wonderful to work with. She was pro-active in all areas to prevent any problems on the back end.

Fred K. - OH

I can’t begin to tell you how beyond helpful Shane was. I have NEVER dealt with a more professional, courteous person ever. Shane never gave up during the whole process. After coming out of a divorce, I thought it would be years until I could refinance. Shane continued to reassure me "it would happen"! And he got the job done. I am not one to usually fill out surveys but this one was going to happen. Shane either answered his phone or got back to me in literally minutes. And on his cell phone and during vacation!! I don’t have enough space to say all I want too. He is beyond patient and I can tell from talking with him for a couple months that he is just a genuine good person. If all our businesses in this country took his approach they would be much more successful instead of slamming the door or treating one like a number. I would do business with Reliance [First Capital] again solely do to his attitude and determination. Hopefully for Reliance [First Capital] they pay him well and hold on to such a valuable employee. Thanks again Shane....

Jane M. - OH

Reliance First Capital did everything I expected from them ... there was no way they could have "exceeded" my expectations. Megan and [her supervisor] Dave kept in touch daily, and sometimes more often. I was pleased with the final outcome ... I wish things could have progressed more quickly but there were some unforeseen bumps along the way.

Harry C. - MD

Sandy was most helpful, from start to finish with the entire loan process. [I] would be delighted to recommend your company in the future.

Rodel G. - PA

Everything went very well. Joseph is the best; he was very, very helpful. I praise the Almighty for him. He will always be in my prayers. Thank you.

Mary C. - CT

I have recommended Michele to a friend so that they can explore their options.

Nancy H. - AL

Things went really smooth and in a timely manner. Reinaldo, Taylor and Sara were all very professional and informative. Made me feel like family.

Joseph W. - TN

Rose worked hard to complete my loan, she was very helpful and nice.

Louise H. - NM

Becky was very friendly, returned phone calls, answered questions, and listened to my concerns. Diana was also very helpful with the entire process.

Leandrew J. - IN

[Bonnie] showed that she really was in it not just to make the loan but had feelings and understood when things went wrong. She also was very patient when I didn't reach a deadline (that I set) on time.

I will recommend [Reliance First Capital] to anyone that I come into contact with that's looking to buy a home.

Allen H. - WA

Tom [and his manager] were superb. Keep up the fine work. Your staff is extremely talented...keep them for as long as possible and god luck to all.

William B. - OH

Stephen was our mortgage analyst. He was quick to return calls and guided us through the whole process quickly and efficiently. We have tried other mortgage companies and Reliance First Capital was the only company that could help us. We greatly appreciate everything you have done for us and we look forward to working with you in the future

Keith F. - NM

Phil was exceptional. He was quick to respond, very patient and extremely professional. Tracy was very patient with my former mortgage company and was great. Both are an asset to [Reliance First Capital].

William D. - NH

John guided us through the New Hampshire insurance licensing delays.

Christopher C. - TN

Trever handled our loan and did an exceptional job. When we started the loan process, we discovered that my credit had been tampered with. Needless to say, I was a little taken aback by this. Trever went above and beyond to get my credit cleared and back in good standing. This should not have been part of his job, but he handled it for me anyway. Thanks so much!

Ardie S. - MD

Amy was an outstanding person to work with. She was professional and provided excellent customer service. Keep up the good work. Amy was great!

Christopher B. - WA

Tom was fast and engaging. He made the whole process much less complicated for us.

Regina P. - TN

Michael is exceptional at his job. He made us look outside the norm of how to refinance and save money. He has an abundance of knowledge to share and help others. He was always in touch with us and made us feel comfortable through the whole process. We make some of our decisions on courtesy that is not always found now days. He has strong customer relation skills. We feel have gained a friend and new financial advisor!

Lloyd G. - AL

Robert did a great job.

Carolyn P. - MD

Rhiannon,

It has been my pleasure working with you. I appreciate you working so hard to get the right loan for me. You never gave up thru the long haul and it is greatly appreciated. I really wanted to be able to take advantage of the lower interest rates, and with you I was able to do that and now I feel like a successful home owner able to take advantage of the market opportunities when they arise.

Thank you so much.

Have a Merry Christmas and I will keep in touch with you.

Dennis H. - PA

I must say all involved with [Reliance First Capital] were extremely professional from the application to the closing, as far as particulars, Sandra provided exceptional service, handling all my questions and concerns. Without a doubt, Sandra went above and beyond any expectations of mine! [Reliance First Capital] is fortunate to have such a professional!

Mark R. - TN

Cortni is a superb customer service rep.

Clark E. - OR

Genie worked very hard to ensure that my loan fit my needs.

John H. - IL

Raemi was very helpful throughout the loan process.

Tanya D. - WA

Rhiannon was great! I really liked that she asked me my goals and found me a loan that perfectly fit them. She was always prompt and more than helpful. I would recommend her to anyone that was thinking about refinancing!

Margaret P. - IN

Lee did an awesome job!

Karen F. - SC

Thanks for your great service! :)

Karen D. - NH

Erick sold me a new loan....this man is amazing!...His follow-up and attention to detail was great! Both my husband and I enjoyed working with him....

Tammy B. - Ohio

Sandra was exceptionally helpful during the entire process. She explained everything to us every step of the way. I would recommend her to anyone looking to refinance.

Mickey P. - CT

Peter kept me up to date with every transaction that was going on and made sure that I was comfortable with my decision making in this loan process. I wish there were more of him out in the field.

David S. - NH

Amy was very supportive.

Michael V. - PA

Jason did a great job keeping us informed and persevering through some ridiculous demands from our former mortgage companies. He was always honest and polite. I would recommend him to anyone else looking to refinance.

Steve S. - CA

York was amazing. You have a great employee working for you. Take good care of him. Loved working with him and would definitely refer him and use again.

Ann T. - PA

Joe was our [Mortgage Analyst], he went above and beyond. He was available 24/7 with answers to all of our questions, and our loan from start to finish took only about a week to complete. The whole process was quick and painless. Joe was just fantastic.

All in all, our experience with [Reliance First Capital] was excellent.

Herman S. - IN

Naveed, this is a note to let you know I think you did a super good job processing my mortgage refinance.

David L. - CA

York was outstanding throughout... You are lucky to have him!

Just to underline the above, York was courteous, professional - and patient with all of my questions. I feel he went above and beyond to get this loan done, and throughout I had confidence that he had my best interests in mind...

Lynette F. - SC

Trever demonstrated unusual patience during the process when I was on business travel and often difficult to contact. Greatly appreciate this.

Daniel F. - NH

Ken was awesome. He took the time to go over all my options and went above and beyond to save me money.

Robert V. - ME

Steve was very professional and friendly. Always on top of everything so far.

Neal A. - LA

Cortni - courteous, professional, knowledgeable, great patience and a very good attitude.

Thomas L. - WY

Matt provided us with the most comfortable mortgage transaction we've ever experienced. From start to finish he explained everything thoroughly and in detail. Matt was true to his word and, with his insight, we are now able to live an easier retirement. We are very thankful for his help!

Marc S. - MD

[Genie] walked us through the entire process and was either able to answer our questions immediately or get us answers by the next day, even on weekends.

John H. - TN

Gayle and Diane really went the extra mile X 26.2--It was a Marathon with all of the hurdles, but they stuck with me and even brought me back from the dead (where my credit report was concerned). They were very courteous and considerate and worked with me in a very unique situation.

Customer service was awesome!! very personal and very helpful.

Kelly H. - MD

Sandra was wonderful to work with. She kept us well informed. I will recommend her to others who talk to me about refinances.

David R. - LA

Ed was great. So was Ray.

Benjamin P. - AR

Sara was wonderful to deal with. Very knowledgeable and forthcoming.

Shannon L. - ME

I had a great experience going through Reliance First Capital. Everyone was great and knowledgeable.

Jennifer B. - IN

Bill was amazing in explaining things clearly, helping us get funding, and working with us throughout the process. God bless him.

Bill's assistant Tessa was also excellent and Bill was always knowledgeable and reassuring. I will recommend [Reliance First Capital] to everybody I know.

David B. - LA

Rose was wonderful!!! She was our mortgage analyst she did a wonderful job with our loan - couldn't ask for better.

Jody Y. - AL

What else can I say but “THANK YOU TONY” for making this whole loan go as easy as you made it and the time and effort you put into it to make this happen made the biggest deal seem so easy. Jennifer and I can’t THANK YOU ENOUGH!!!

Teena G. - WA

My experience with Rhiannon was so informative and she was very attentive to our needs. I have conveyed my experience with Reliance First Capital and Rhiannon to a few of my friends that might be looking for the same type of services I was provided.

Joseph M. - WY

Dear friends at Reliance First Capital:

I’m writing to express our thanks to you and your representative agent Jim. Our financial situation has been challenging to say the least over the year due to overwhelming medical expenses we’ve endured for our two sons.

My wife Deidre and I both changed jobs to improve our situation, and we were unable to sell our home in Montana due to the housing market crash in our local community. We were unable to get a decent interest rate on our home in Wyoming until we encountered the expertise of [our Mortgage Analyst] Jim.

He asked a few important questions, and before we knew it we were on our way to refinancing our home at a much lower rate, as well as get some much needed cash out to make some home improvements.

I must say that Jim was with us every step of the way, and “had our backs”. He did what he could to better our overall financial situation by not only what I’ve already mentioned, but also took 2 years off our previous mortgage.

I was not a believer until the “money was in the bank”. But I’ll always believe in Jim, and Reliance First Capital, and would recommend anybody to your company.

Melvin G. - LA

Tre definitely provided exceptional service. He worked diligently during our loan application process to find the right loan for us. Tre is very personable and professional. We felt a sense of trust and confidence during our first telephone interview.

Gisbel P. - CT

Eric was very professional.

Matt H. - AR

Wes provided prompt, professional service. He kept us informed during each step of the process. We are thankful to have found him. Our family enjoyed working with him and wishes him our best. If we have anyone ask about refinancing, he will get our referrals.

Andrew W. - NH

We had just spent over 3 months jumping through hoops to be approved for a mortgage by our current bank. Our contact did not return calls and seemed to lose every document we sent him. The only status reports we could get from him were vague and non-committal. We finally 'pulled the plug' at the end of April. My husband contacted Reliance First Capital (online, I believe) on April 30th, and Erick called him within an hour. We closed on our mortgage on May 19th! Erick was personable, professional and knowledgeable. He understood the frustration and apprehension we had from our recent experience, and he went out of his way to keep us updated and reassured. We both enjoyed working with him, and I would recommend Reliance First Capital. Thank you for a very positive experience.

Kristi M. - AL

[Reliance First Capital] should be very proud to have such a courteous, honest, and professional analyst as Dominic. He always made us feel comfortable and as if we had met on a face to face basis.

Give Dominic a raise. LOL..... Thanks for a great experience. We will refer your company to others.

Julie J. - ME

Steve was exceptional. He was always available for questions and followed thru in a timely manner, ect.

Gaylon R. - AR

Gayle was very personable and answered any question I had. She explained the plans I might want to use after I told her my objective.

Donald H. - IN

Naveed followed us thru the loan application process step by step and encouraged questions. He is very knowledgeable and helpful.

Margaret P. - IN

Lee kept me informed almost on a daily basis. [He] was always easy to speak with and spoke in terms I understood or explained so that I did. Great analyst!

I had no experience or information prior to this in regards to Reliance First Capital. What a great experience!! Thank you!

Brandon K. - PA

Sandy was wonderful with us and we will miss talking to her!!!!!

Michael K. - WY

Joseph went way above expectation in working with me to secure my needed refinance within a time frame we needed. I just want to say thank you to Joseph and everyone else who help with our refinance.

Gayle C. - SC

I recently refinanced my home with your company. I must tell you how fortunate I was in getting Cornell in your Tennessee office to help me go thru this procedure.

You must be so proud that you have such a gift to employ someone as knowledgeable, friendly, understanding and caring employee such as Cornell. What a great asset he is to your company.

He put me at ease from the very first phone call, answered all of my questions in a non-professional way so I could understand everything. Because of the new era of computers, he was able to move this process thru with such ease. He truly is a remarkable man and one of the kindest men I have ever had the pleasure to work with.

He is blessed with a true gift of caring, friendship, knowledge, compassion and this understanding of (I can only speak of myself) this hardship in today's economy and I will always be grateful to him and your company and will recommend your business to anyone and all that will need your services.

I am truly grateful and wish you continued success.

Marty K. - AL

[Reliance First Capital is] the best I've ever done business with!! Tina was awesome! I can't say enough good things about her!!!

I would highly recommend [Reliance First Capital]!

Michele M. - PA

Matthew was a very kind and hard working. He was EXCEPTIONAL and Professional.

Sandra M. - SC

Even with a family illness and a Holiday weekend, we were able to keep in touch with our Mortgage Analyst Toi.

Kim C. - TN

Richard was very helpful. He was always available to answer any questions we had.

Raymond A. - IN

Everyone was very nice and helpful. We would like to thank all of you.

Mary L. - IN

Naveed was great! He understood my busy work schedule and didn't try to work his needs to complete the process around that, he worked around my schedule and communication style. He explained everything thoroughly and in a way that I could understand.

Joy R. - CT

Peter was very professional, informative, and we definitely felt we had someone on our side backing us up.

Clifton Q. - SC

Mimmie and Dianna both kept me informed at all times and were easy talk to.

Robert V. - IN

Bill was persistent, not pushy in his phone messages as I was unable to return his calls for several days. This was the main reason we gave Reliance First Capital an opportunity to earn our business. Bill's easy manner and plain talk made us decide to give our business to Reliance First Capital!

John T. - PA

Rhiannon was wonderful to work with. She walked us through the whole process. I cannot say enough good things about her. Thank You!

Jack R. - IN

Higher more people like Meredeth.

John D. - KY

Phil is an excellent representative for your company. He did all he was supposed to and maybe even more. I would recommend him to my friends.

Kristie L. - AL

Great working with [Reliance First Capital] and everything went smoothly. We had one hiccup and Rick took care of it promptly.

Christopher G. - PA

Lynn was great to work with and answered any questions we had quickly. I would definitely refer Lynn to any of our friends who are looking to refinance. She was always pleasant and never made us feel like we were bothering her with all our questions.

Betty C. - ME

Naveed assisted us in a recent refinancing of our home. He was always courteous and helpful on the many situations that surfaced as we waded through the “mountains” of paperwork required for this type of loan.

My wife and I are thankful for his patience with us. We would like to thank [Reliance First Capital] for having such excellent employees.

Lisa E. - OR

Scott, my Mortgage Analyst, receives a five star rating from me. Everything was explained on time, the process was smooth and best of all, completed within 24 days. I work in Marketing and Public Relations for hospital system and I am impressed.

Scott deserves praise for his hard work ethics. He went above and beyond the call of duty for customer service - attending to requests and questions whenever I needed assistance. Scott was accommodating and conscious of my time schedule/time zone difference (EST verses PST). The phone calls placed to me keep me informed of the application process was a very nice touch. Funny to say, but I will miss those almost daily check in calls!

Donald C. - OH

I have never had a loan officer to work as closely with me as Scott. I would recommend him at any time to anyone needing a loan.

Timothy K. - MN

Michael communicated with me at every step of the process, he thoroughly explained all his answers to my financial questions, he was courteous, professional, and made me feel as though I was a "First Class" customer to Reliance First Capital by thanking me for my business.

Denise F. - TN

Robert was prompt, went above and beyond, and was always courteous, even though he frequently had difficulty reaching me due to my work schedule.

Mary C. - LA

Matthew was excellent.

Thomas B. - NM

Adam called me within 15 minutes of my posting my interest on line. He "came across" as friendly, relaxed and professional. Over several days of patiently answering my questions and calling me if I seemed to be losing interest or "looking elsewhere" his persistence persuaded me that I had a "new friend" and wise advisor.

Michael R. - MD

Amy is by far the best customer oriented person I have dealt with in many years. Amy went far beyond what I expected. Her professionalism and follow up with me, answering any questions I had were just outstanding. Amy kept in constant contact with me throughout the entire process to make sure I understood everything and if there was anything I needed assistance with or if there was anything I didn't understand that she could explain for me. Again I think she is the most dedicated person I have had the pleasure of dealing with.

Please extend congratulations to Amy as she is truly deserving of a job well done.

Jerry G. - AR

Jeff showed professionalism in every way. He was a pleasure to work with.

Erica C. - PA

Matthew helped me through this whole process. He was able to answer all my questions and made me feel like he wouldn't rest until my loan was approved. He did an excellent job staying in contact with me and letting me know everything I needed to get to him to make the process go faster. I definitely would recommend him to anyone I know needing financing.

Christine T. - MD

Adam has a very calming and believable approach that really put my mind at ease in our interactions via email.

Hiram T. - CT

Michele is just amazing! I was "traumatized" by my previous re-finance experience with Bank of America. "BofA" took over 3 months and kept coming up with changes to the originally proposed deal, I finally called off the deal because of how BADLY I was treated. Michele assured me that she would take care of me, very reluctantly I accepted her offer and in TWO weeks my loan was funded! She is the best, she was there at all times and before I couldn't realize it, the refinance was done! Thank you much Michele!

Carl B. - PA

Shane was exceptional; he always made himself available and even came to the closing to make sure everything went smoothly.

Dale W. - FL

Do whatever you can to retain Michele. She is absolutely fantastic! Michele is a tremendous asset to your company, and because of her, I will be recommending your company to my friends family and colleagues. Michelle was incredibly patient with me and went above and beyond to answer all of my questions. [Reliance First Capital] is number one with me. You are honest, professional and extremely courteous.

Ellen B. - KY

Ashley is professional, honest, understanding and willing to go through the extra effort to be of service to her clients.

Brian K. - AR

William helped me in every step of the way and even called from his home the evening of our closing to make sure everything went smoothly.

Lynda M. - ME

Naveed, my mortgage analyst, was extraordinarily helpful. There were a number of old liens against my property which had never been correctly discharged. Naveed contacted town and county offices and in one case even went to the original source to get these liens cleared from my credit report. His work was exemplary.

Treena B. - ME

Michael was extremely responsive during the whole process and "went the extra mile" to keep us as clients and ensure the loan went through.

Jason O. - MN

Yana did a very good job helping us get our loan done in a quick orderly fashion and without allot of wait time or questions.

Michele K. - OH

Sandra was very through, always informing me of everything happening.

Richard A. - PA

Had trouble with the email disclosure access several times. Never found out why. My mortgage analyst was quick to resubmit the original loan disclosure to solve this dilemma. Other than that, the process was convenient and successful. I would not hesitate to recommend Reliance First Capital if the chance arises.

Cheryl L. - WY

Ken is extremely knowledgeable and helpful - He made it all happen! After a 6 month process with [my previous lender] I had nearly given up. This was an incredible experience! Start to finish was about 10 days - unbelievable!

Emmanuel H. - MD

Becky assured me about doing everything to help get the best loan to meet our goals. We will certainly refer anyone in the future.

Thomas G. - PA

Amy kept us informed at every step and returned phone calls in a timely manner, very caring and professional and a nice lady.

John Y. - PA

Shane went out of his way to come to my house to initiate the loan process and throughout the whole process was very professional to make sure my refinance suited my needs.

A+++++++++++++++ to Shane and also Denise who also went out of her way to close the loan by stopping at my house.

Christina J. - TN

Rick answered every question we had. The whole process went very fast. He was very helpful with the whole process. [Reliance First Capital] is lucky to have him.

Karen H. - PA

Sandra was very knowledgeable and extremely helpful. I want to give her a huge "thank you". I couldn't have been more pleased.

Karen H. - PA

Sandra was very knowledgeable and extremely helpful. I want to give her a huge "thank you". I couldn't have been more pleased.

Randall S. - PA

Excellent experience!!!

Rosemary C. - LA

am thoroughly satisfied with Jeff. It was through his efforts and expertise that this transaction was flawless.

Marquis P. - SC

Toi was very professional, knowledge and courtesy. Her ability to explain each step of the process to my wife and I was a tremendous help. She was able to put us at ease and ensure us that we were getting the best service at all times. I would completely agree that this refinance was painless, thanks to Toi.

Sandra Y. - CA

Scott was my total experience and I was very pleased.

Margaret H. - PA

Philip took all the time needed to acquire a refinance for me when no one else could. He is very professional and I thank him very much for his service.

Teri K. - PA

Amy went above and beyond her " duties" and was always professional and courteous.

Ruthie H. - SC

Toi is an asset to your company, you are very fortunate to have her as an employee.

Neelam S. - KY

Steve is very courteous, professional and honest.

Barbara H. - AL

Rick was very professional and did not apply high pressure.

Frank Z. - PA

It was a pleasure to work with Bonnie. She was very helpful to me and was always there for me. Maybe a little bit too much. My phone was always ringing and it was of course Bonnie - but I didn't mind it at all because I knew she was working for me and to help speed up the whole up refinance. Everything went very nice with no problems at all. I think it is a plus to Have Bonnie on your team!

Standefer. - TN

Michael held my hand through this whole process. He went way beyond any expectation that I had of the way the process should go.

Keep up the good work. It was a joy working with Michael.

Terran M. - LA

Be sure you keep Rose (SUPER) - ROSE IS TOP OF THE LINE!!!!!!!!!!!!!!

Guy H. - MD

Riahannon was very courteous on the phone and patient, she is always happy talking to a client.

Jonathon C. - TN

Sara was outstanding through the entire process, she provided with the information to make me confident with my loan process.

Jacqui G. - LA

Raemi was exceptional, always kept me informed, always explained everything in detail so I would understand; calls were promptly returned, I felt safe and happy with her services and will call Raemi if I need any further financial services. Thank you Raemi... Beyond excellent!!:)

Karen B. - MD

John was, without a doubt, the best Mortgage Analyst I ever worked with. Very professional, courteous and knowledgeable. He went above and beyond for everything. Absolutely wonderful to work with – an absolutely wonderful experience.

Mitchell J. - PA

Mike went above and beyond to get this loan approved.

Judith W. - PA

Amy was our mortgage professional. We have never dealt with anyone like her before. She helped us in every step of the way and made it easy for us.

John N. - MD

Rhiannon assisted me with my refinancing and I was extremely pleased with the outcome. She took time to explain and evaluate my options, kept in constant communication with me through the entire process and was most helpful overall.

Rhiannon, thank you very much for all of your assistance with my recent refinancing. Your excellent communication, knowledge and understanding as well as thorough explanations along the way have convinced me that I made the right move in choosing to work with Reliance First Capital. I could not have made a better choice amongst all of the lenders who contacted me. Thank you for all of your efforts!

Rachel H. - MD

My expectations were exceeded by more than 1000%. MARCIA IS THE ABSOLUTE BEST in the world... Good at what she does? Without a doubt. Thanks soooo much Marcia.

Don't change a thing... keep doing what you are doing... really helping people and being about the person.

Luis S. - SC

Regan was a very knowledgeable and kind source in the process of getting what was required to get our loan approval.

James F. - MD

Ed is truly an asset to your company. He worked diligently with me to improve my credit score to guarantee my loan. He is patient, understanding, and a pleasure to work with. He kept me informed every step of the way. I will recommend him to all of my friends.

Phyllis L. - LA

Chase was very helpful. I relied on him for everything and he kept me informed. He is a real asset to your company. Chase is a very exceptional employee - very concerned about his customers and helps in any way that he can. I cannot praise him enough.

Kerry J. - IN

Todd was extremely courteous and on top of his job. Todd was very informative and worked diligently with my husband and I on refinancing our home. Todd definitely knows his job and knows how to work well with the public. I would definitely recommend my family and friends to Todd for refinance information.

Mark D. - IN

James was there for me every step of the way. He was very helpful in explaining how to clean up my credit report. He was very, very helpful!! I`ve never been treated so well!

William G. - MN

I like Katherine even though we never met face to face.

Diane H. - OR

Phil was persistent, and understanding with diligence. The loan process was delayed due to my circumstances but Phil was understanding and persistent.

Donald S. - OH

Ken was super. He followed through like a real pro!!

Robin H. - PA

Amy - helpful, always there when I had a question and smart! I love Amy and I am happy with your services and would use you again.

Suzanne K. - PA

By the time our loan came to closing I felt like this was a friendly transaction rather than a business transaction. Mark was an excellent representative of [Reliance First Capital] from beginning to end.

Scott S. - PA

Michael always called us back within a few hours, always answered all questions we had (and we had many!), and even provided us with his cell phone number to call him at home if needed. He always kept us up to date on where we were with the loan process and did his best to have things run smoothly. We appreciate his assistance, courtesy and professionalism! He is a true asset to your company.

Richard M. - SC

Anthony and Tracey both where very helpful and kept us informed on what was happening. They where very responsive to questions.

Alice S. - PA

Tom was a pleasure to work with - very human and helpful. The only area I felt I wasn't adequately prepared was in being informed about the procedure for the closing. I got a call the night before it was supposed to happen from the closing agent. I thought Tom and I had agreed on a day later and I didn't know the agent would come to my house. The upshot was that it worked out OK, but if I had not been able to make the date work, it would have meant reprinting everything and some delay. Other than that, I was delighted with the service and would recommend Tom to friends. In fact, I already have.

Marsha N. - NM

Chris was the best banker I have EVER had the pleasure of doing business with. He is a jewel and goes way beyond the call of duty for his customers. He cares and that is rare these days. I will return to Chris for any mortgages in my future.

Lisa M. - PA

The service I received was perfect. Mike was just a pleasure to deal with. He went out of his way to find just the right loan to meet my particular needs. He was never too pushy as some in the loan business tend to be. He was readily available whenever I had a question or concern and explained things thoroughly. I appreciate the way he followed up with me and his genuine demeanor. I feel he is an asset to your company and a true professional.

I am extremely satisfied with the courteous and professional service I received from Reliance First (as posted on LendingTree.com).

Scott B. - PA

Chris had very helpful recommendations on what made the most financial sense for me. He always worked quickly to provide the service needed at each step of the process and was thorough in answering any of my questions.

James S. - IN

Todd got us the loan and percentage we were looking for and went into work for us during a snow storm so we could close the next day. He called us every other day to keep us informed of everything. It was a pleasure dealing with Reliance First Capital.

John B. - PA

There were a few bumps unrelated to Reliance [First Capital] and Todd stayed on top of everything.

Rachel R. - PA

Michael was exceptional during this entire refinance. He went above and beyond his duties by calling around for the title, deed and insurance information.

Robert C. - MD

To begin, Reliance First Capital is fortunate to have Toi in its employ. Through her infectious enthusiasm, knowledge, professionalism and manner, Toi exemplified the attributes that customers want to see in a mortgage analyst.

It took me exactly 11 days to close my loan from start to finish! Toi promised a product and delivered in all phases of my refinance. In this age of uncertainty surrounding the mortgage industry it’s refreshing to note that there are institutions that truly perform as advertised. To those skeptics that think financing a home can’t be done without pitfalls I suggest you contact Toi. A previous customer of yours noted on your website something to the effect that Toi should train all staff. It’s easy to understand this comment.

If other staff at Reliance First Capital mirror Toi than there’s no doubt your company’s business model will succeed. Toi, I truly enjoyed working with you and wish you all the best. Your honesty and consistency is truly appreciated as it erased all doubts. You have no place to go except up!

Robert P. - IN

York kept me notified of all changes, mistakes and oversights. He was a pleasure to work with. I almost hated to see my loan close!

Stanley B. - AR

Carlton never gave up through the long process and finally got me the loan.

Maureen T. - LA

Anthony was very knowledgeable, personable, prompt and persistent.

George B. - IN

Matthew was helpful and explained every step of the loan process. Matthew thanks so much.

Linda B. - LA

David did a great job and kept me informed.

Laura C. - IN

I cannot tell you how surprised I was to receive a phone call from [my Mortgage Analyst] Jim today. Jim handled my home refinance this fall, and offered me the very viable option of shaving 10 years off my existing home loan as well as more than $100,000.00 while paying less than my current mortgage payment. This has had a profound impact as I grow ever closer toward the age of retirement.

The fact that Jim would take time out of his busy schedule to follow up with me to see how things were going and if I had any problems regarding my mortgage is something I have never before experienced in the world of mortgages. Once you close, you’re done and you become just another number. Jim is an exemplary individual who is extremely knowledgeable about his business and is able to bring that personal touch often lacking today. He is truly an asset to your company and you are most fortunate to have him. I can honestly say that I can highly recommend Jim and your company to friends and family.

Andrew F. - NH

Genie provided me with exceptional service from the beginning of the loan process until AFTER the closing. She was great!

Michael B. - CT

David was a real pro. I have been in the insurance business for 40 years and seen many agents work. I have to say Reliance First Capital should be glad to have him.

Jeffrey D. - WY

Jim was amazing. He was always available and walked us through each step of the process. I work long hours during the day and sometimes have to travel for work. Jim had no problems arranging contacts around my schedule, even with the time zone difference. He helped us lock in a rate and sort things out to make the best choice for our needs.

Andy F. - NH

Genie,

Thank you so much for all of your help in securing my new mortgage. Your professionalism and tenacity got us through several difficulties when obstacles and surprises were thrown our way. I hope to be able to refer you anyone that I know who might be looking for a mortgage or refinancing. It was a pleasure to work with you. I always felt you were taking care of my interests and were working to meet my needs. Thank you, again, Genie, good fortune in your work and let me know if I can be a reference for you.

You guys definitely know what you're doing and I plan on recommending your company to anyone looking for a mortgage!

If it wasn't for Reliance First Capital, I'm not sure what I would've done. At the my darkest time when looking for a mortgage my Mortgage Analyst Ed D. and his Team Manager Ed B. were my silver lining. I don't know if I can thank them enough for all their hard work.

I will put a post on my Facebook account recommending Reliance First Capital along with Ed D.

John F. - TN

Nita was energetic and very prompt on any questions we had.

Bryan A. - TN

Lane was extremely helpful and answered all of our questions from day 1. He was patient with us and our constant question; he always returned calls and email. THANKS LANE!

Vernon D. - CT

Everything went smoothly and quickly. Jim went out of his way to make sure everything went well and was in place.

[Reliance First Capital] is lucky to have someone as diligent and hardworking as Jim. I'm sure there were others behind the scenes that helped to make this happen. I'd like to tip my hat to them as well. I'm sure they rarely get the credit from the customers that they deserve as well.

I was really hoping to get additional funds out of the refi in order to pay down some debts. Unfortunately, with real estate in the dumps I was slaughtered on my appraisal. Jim Heisser worked to get me the best deal he could and I thank him for that.

Rhiannon was first class all the way. She made the loan process stress free. Her professionalism should be commended. I will recommend her service to all I know who may be thinking about refinancing.

Rita L. - WY

David went out of his way to get our loan threw. He called daily to let us know what was happening and what to expect. We will highly recommend him to friends and relatives.

Thanks once again to David!

Robin Q. - AL

David was professional, expedient, ambitious, pleasant, helpful and a great guy to work with.

I did not receive the originally hoped for end result but mostly due to type of loan that my situation called for in the end. I was not able to pay off as much debt as originally discussed and hoped for, but was able to improve my situation. Thank you very much!

Kimberly K. - PA

Matt was wonderful. He updated me every day of the loan’s progress. He explained everything to me in detail. He was friendly, professional and reliable. I will recommend Matt to my friends and family.

Mary B. - PA

Phil was a pleasure to work with. He answered the majority of my calls without having to leave a message. He returned my calls quickly and also provided his cell number, if necessary. He's an asset to your organization and I have referred two people to him to see if he could also help them.

John W. - ME

I am writing to thank you and your staff for all your assistance to get our refinance completed. As of this writing we are scheduled for a closing tonight at 7PM.

I especially would like you to recognize Michele for her commitment to getting this done. I have found Michele to be always available and willing to help to make this happen. I have worked with many people through this process and without her we might still be trying or perhaps would have lost patience and walked away. I also believe many would have walked away from our difficult situation. Michele stayed the course and I am very grateful for all she did for me and my wife.

Thank you once again and happy holidays.

Frank W. - PA

Amy was involved with all aspects of the process and kept us up to date on all phases of completing the refinance of our home. The entire process was conducted by Amy in a professional manner and we were very pleased in the way she handled our loan.

Jason W. - CT

Easy and quick process - fabulous loan officer.

Angelique C. - NH

Michele went over and above our expectations. She was available anytime we needed to get in touch with her, answered all of our questions and made sure we were kept informed every step of the way.

Joseph & Wendy A. - CT

Ken was great from the start. He explained everything regarding my loan, and kept me informed every day. Ken assured me from the beginning that I would be in good hands, and I fully agree.

Tony A. - IN

Bonnie was very kind, helpful and professional with helping us with our mortgage needs!!! Thanks so much & MERRY-CHRISTMAS TO ALL!!!!

William P. - PA

We are more than satisfied with our Mortgage Analyst, John. He helped us every step of the way, answered our questions and got us our dream final result. I would highly recommend him and Reliance First Capital to my friends and family.

Linda S. - MD

Marcia was very efficient and extremely knowledgeable. I would recommend her to my friends. What an asset to your company!!!

John H. - IL

Just keep doing what you’re doing. The process was made easy by Jay. Outstanding customer service.

[Jahimba] did all the work, constantly followed up and kept us informed of everything that was going on. You have an exceptional employee in Jay.

Thank you!!! I will consult with friends and family and pass along anyone who has a desire to finance or refinance.

Jerry T. - TN

I have had 4 homes and have done 4 refinances. Sara made this the easiest and least stressful transaction of any financing that I have ever done. I would recommend Reliance [First Capital] to my friends only if Sara took care of them.

Robert L. - MD

Marcia was a joy to work with and very helpful with the process from start to finish. I will definitely refer all my friends and clients to her as a contact.

Thank you so much for all your help. Marcia is excellent to work with.

Douglas Y. - NH

Phil did a wonderful job. We thank him for his help!

Michael M. - FL

My name is Michael M. from Naples, Florida. I have just finished the process of refinancing my main residence with your company.

At the beginning of this past summer, I needed to assess my present mortgage and the possibility of refinancing my house. Therefore I started looking around by clicking on the net. I had many replies and messages left for me and many companies were willing to get me started. However, I know, due to my recent financial and real estate complications, it would not be as easy as it sounded to them. I needed someone to hang in there patiently with me and thoroughly walk me thru this agony which seems to have commonly paralyzed so many masses in this country.

I narrowed down 2 companies who seemed to be willing to work with me. Reliance First Capital was the first. The representative’s voice and attitude was soft and friendly and calm, assuring yet personal. She was eager yet allowed a good distance so I felt at ease. She was extremely knowledgeable yet realized that financial complications are not my field of specialty. She was aware that this was an obligation that I needed to resolve for myself. She was persistent in her follow ups yet only at my availability. She understood my field of work and respected my hours of occupation. She worked diligently into her late hours with me. Our communications continued for weeks even after my summer vacation at the end of August. I also had the second company on hold and awaiting their proposal. They kept changing the representatives and therefore lost my interest.

I stopped communicating with them and only focused on Reliance First Capital. Of course I knew it was going to cost me a fairly large sum to refinance. After all, at my age I had been thru this before. Although rules keep changing some cost factors remain the same. Obviously financial institutions impose a certain cost to handle these transactions. She was very upfront with me. The public these days is very hesitant and very untrustworthy of banks. The banks have to be particularly more than careful how to come across to gain the trust.

My contact with Reliance First Capital knew this fact. She practiced her own art of assurance and devotion to my case. Upon my return from my summer vacation she increased her sense of dedication and, after a few more weeks of relentless efforts, she gathered all my facts and figures and compiled them along with all the necessary state and federal required documents and presented them to me as a Good Faith Estimate. I was hesitant of figures which stood out but she patiently and kindly convinced me that in the long run this was the best package for me.

Gentleman, this practice is a rarity and very refreshing in the field of finance. Putting such a personal face on banking may be the new approach to gaining the public's trust again. I want to congratulate you to have this exceptional member on your team. This shining jewel of your team is Ms. Amy Cravetz.

Right at the very start, Amy came across so much more than just someone who answers an 800 number. She offered to me a personal dedication and she delivered. She made her [Team Leader], RK, available to me and he graciously backed up her work. Thank you for providing her to complete the process of my refinancing.

Sincerely,

Michael M.
Your new client

P.S. I run a small business with about a dozen employees. I wish I had more like Amy on my team. Congratulations again!

Michael B. - TN

Jonny always called me and kept me well informed on the process and the progress, very professional and followed up with after all was signed and confirmed :)

Thanks a lot Jonny..

Brian F. - PA

Bonnie was a fierce and dedicated advocate for our refinancing needs. She was just perfect and ushered us through each step of the process. Bonnie made it all easy and inspired confidence and trust.

Joseph F. - IL

Ken = Clarifying questions, assisting with problems.

John G. - SC

Nita was unbelievably professional and courteous. I have never dealt with anyone who communicated so thoroughly and consistently. I appreciated her professionalism even when I was frustrated and exasperated. Nita is a true asset to the Reliance First Capital team. I sincerely hope that [Nita] is appreciated by the leadership and her peers for the great job that she does representing your company.

Philip J. - MD

This was the best refinancing experience we ever had.

Lorraine K. - MD

Bonnie is a tremendous asset to your company. We thoroughly enjoyed working with her.

Daniel W. - NH

Annice did an outstanding job answering questions (and there were many) and keeping me informed. She was an excellent resource.

Ellis M. - PA

Carlton was our primary contact person from the beginning thru the end. We would have no problem recommending your service.

If some of my friends or relatives will decide to refinance or get a new mortgage, i will strongly recommend them to deal with Reliance First Capital.

Bonnie S. - SC

We would like to comment on our business transaction in regards to [our Mortgage Analyst] Steve. We feel that Steve should not go unrecognized as an example employee for Reliance First Capital. Steve provided us with the utmost professional customer service that exceeded our expectations. Steve promptly returned our phone calls in a courteous, prompt and respectful manner. Steve kept us informed daily during the process and kept our best interests at hand with a positive confident attitude. We were thoughtfully cared for and kept well informed daily. We cannot say enough about Steve on a personal & professional level. We highly praise you Steve, and appreciate all your hard work to meet all of our needs. We wish you all the best for possible advancement & continued success at Reliance First Capital. Now and in the future - great job Steve!!! Thank you.

We will always keep you in mind should we have the opportunity to recommend you and [Reliance First Capital].

Micheal L. - SC

Hi Becky,

It was certainly a pleasure to work with you and you were instrumental in my decision to retain Reliance [First Capital]. The most important thing was communication and providing a product crafted for my needs. You not only met those needs but, also with the complications that Bank of America created, you persisted. Certainly I have mentioned my experience to many of my co-workers and if they are interested in re-financing, I will most surely recommend you and Reliance [First Capital].

Kathryn W. - MN

Nancy was polite, professional, responded quickly to calls and kept me informed throughout the process. It was a pleasure to work with Nancy.

Ellis & Christine M. - PA

Just wanted to take a moment and thank you for the attention you paid to our refinancing request. The options you initially put together made the choices fit our expectations. Chris and I did not expect such a seamless effort but your continued patience and determination made the project comfortable and beneficial for all. Thanks again for our monthly financial savings and your professional/personal attitude.

Susan M. - PA

Meghan was over the top in the service she gave us. We will definitely recommend her services to our friends and family. She gave 110%!

Don M. - PA

James was upfront and explained everything in detail. He crossed the T’s and dotted all the I’s. He helped ease any doubts we had.

Lisa L. - SC

Becky was fabulous! She made refinancing fun!

Loretta B. - PA

Chris was exceptionally helpful during the whole process. He was professional, considerate of my financial needs and circumstances and made my whole house-buying experience less stressful and educational. He is someone that reflects very well for Reliance First Capital and solely because of him I will be making as many referrals to Reliance First Capital as possible.

Nancy R. - PA

I had lots of questions, some of them I even asked twice, and Amy was willing to answer all of them without any hesitation.

The only 'snag' was when the phones weren't working, but Amy gave me other phone numbers to reach either her or Mike.

Walter H. - PA

Brian was probably everything you want in a loan officer.

Jeff D. - AR

My husband and I were completely satisfied with our loan process. Burke was a God-send to us and we are so thankful for all the work that he put into getting our loan done. He went above and beyond anything I ever expected.

I will recommend him to anyone for their financial needs!

Brian C. - PA

If all of your analysts are as excellent as Brian you are doing well.

Nan O. - CT

Erick was spectacular. He was friendly and reassuring. He offered to do our closing while we were away on vacation! He accepted me using email, snail mail, fax and phone. He should get a BIG bonus on his Birthday.

Every "service" company in America should strive to be as helpful and honest as Reliance [First Capital]! Erick allowed me to have a lawyer review my documents and handled it all directly with my local attorney. I didn't really need it but it made me feel better!

I will tell everyone I know who is looking for this service to contact Erick directly. This is an email I will hold on to.

Gary H. - NH

Hi Genie,

I want to sincerely thank you for working with me. You are a consummate professional ready to answer any and all questions and willing to figure and calculate all possible scenarios, even if only hypothetical. Receiving high quality customer service was very refreshing and working with a pure and honest person a genuine topper.

The Best To You

Alvin J. - WA

Annice did a great job of handling everything with class and dispatch.

Johnny L. - MD

Marcia... excellent at answering questions and turning around requests.

Mireille K. - MD

From the initial contact I felt I was dealing with a professional who takes her job seriously and enjoys dealing with the public. I was not inclined to deal "over the net" but after a couple of conversations with Bonnie I came to accept one doesn't have to sit across the table from another to accomplish the goal at hand. Bonnie was able to answer all of my questions and continuous follow through was a given. When she says she will call, she calls….I consider this most important. Bonnie said Reliance [First Capital] is one of the best in the business and I am inclined to believe [her] especially given the horror stories you hear when people try to refinance through one of the "big banks". Everything went smoothly and the entire process took less time that I expected. I will not hesitate to refer to Reliance First Capital and specifically Bonnie. Thank you!

Jeffrey R. - PA

RK was extremely knowledgeable and everything he did was very professional.

LaTasha E. - MD

Marcia provided exceptional service. From her initial phone call to closing, she was always available for questions and served as a trusted ally in my refinance process.

Ronald M. - WY

Clone David, he was great to work with! We felt the fee for the title insurance was high but don't know if you have anything to do with that part of the loan process.

We tried to refinance with a different company at the first of the year. We were 2 hours away from signing the final papers and canceled because the agent who worked with us had deceived us about the terms. Our experience with David was exactly the opposite. He was always up front and professional. It was a delight to work with him. He made the entire process simple and uncomplicated. He never once misrepresented the company or the terms of the loan. He even caught a mistake by the appraiser and got the appraisal amended with the correct figures! That was proof for us that he was genuinely concerned about helping us successfully navigate the loan process and not just out to "close a deal". He was exceptional at keeping us informed on each phase of the loan process. He was considerate and knowledgeable and could answer all of our questions. David is truly gifted in dealing with customers!! As far as we are concerned his is worth his weight in gold!

[We know] no one [to refer] right now, but David is the only agent we would, and will, recommend to anyone we know who is looking to finance or refinance their home/property.

Nancy L. - NH

Sandra was very very helpful to us in getting this refinance. She kept the ball rolling.

Harold D. - NM

Will worked hard getting our new mortgage pushed through!!!

Mark L. - PA

James helped me through the entire process - even after the loan went through. He should be commended for his hard and helpful work. I will be recommending him and your company in the future with my highest regards.

Mark F. - PA

I would like to take this opportunity to provide feedback concerning my recent experience with
Reliance First Capital and Shane. I have lived in Pittsburg for almost 30 years and over that time have purchased many homes and have had several refinance loans as well. I would put your organization right at the top of the list! I would first like to thank you and Shane for a most pleasant experience.

Shane contacted me directly and went over several refinance proposals with me. He structured a loan that was extremely beneficial to my overall financial future. Shane was courteous and knowledgeable and fully explained the options to me. He was professional and more than that seemed to really care about me as a customer! That is just refreshing these days.

Shane was honest and responsive every step of the way. The closing with Robyn at AMC went as smoothly as the application process.

Reliance First Capital more than met my expectations and I am 100% satisfied with the entire process. Shane did a great job for me and you should feel proud to have him as part of your organization.
I am so pleased and will certainly refer others to
Reliance First Capital.

Thank you again.

Brian A. - TN

Craig was on top of everything from the 1st day and really tried his hardest for our loan to go through. It was a pleasure working with him.

John H. - FL

Phil was extremely nice and informative. He did everything he could to help us and was the main reason we went with [Reliance First Capital] for refinancing.

Alan B. - IN

Joe and his assistants worked hard to put this loan together and to keep it on track. When I did not have all the documentation I needed, they got it for us.

Michael B. - CT

Erick was courteous, cordial and informative. Our process was time consuming because our condo association was in the process of becoming FHA approved. Erick made all of the contacts for us and kept us informed of every step, even to let us know when he would be taking time off, but even then, offered his cell phone number just in case we had questions or concerns.

I would be happy to refer friends and colleagues to Reliance [First Capital] for refinancing or first mortgages!

Timothy S. - IN

Ashley was the best loan officer we have ever had. It was not always easy and she went further and worked harder to help us with anything we needed. She is a credit to your company.

Douglas K. - PA

Amy was able to re-finance our mortgage when other mortgage companies could not. She was very knowledgable and kept us well informed throughout the entire process. We would highly recommend her to our friends and family!

Judith L. - CA

Adit was very nice and professional.

Jeff G. - IN

Bonnie worked very hard to get us this mortgage. I could not have found better service anywhere. The best!!

John C. - IN

We think you all have it down pat, and we believe that it is all due to the excellent knowledge of one man [our Mortgage Analyst Todd]. In our opinion he had excellent training and we believe he cameto the company with a great personality and intelligence and a felling of what people need and do his very best to get that.

Todd is a wonderful and well informed man. We couldn't have done it without him. He really cares about the people he is trying to help. We would most definitely recommended him to all our friends and family. We can't thank him enough. He foresaw things before they happened and was able to be prepared for anything. Our refinancing went through without a glitch. We will have a wonderful Christmas this year due to Todd's excellent performance. We concider Todd a friend, not just an analyst. Thank You so very much.

Mary B. - MD

Rhiannon - simply the best! Always available to answer questions; didn't just give an answer, but explained it without ever rushing through it; polite, courteous, professional; turned a financial experience, which sometimes can be stressful, into a more enjoyable, calmer, informative one; we see ourselves as repeat customers thanks to Rhiannon.

Thomas F. - MD

Bonnie was terrific.She is a terrific asset to your company.The only fault I could find is she is a Philly fan rather than a Yankee fan.I hope to convert her.

John C. - PA

Rhiannon was the best. She really cares about her work as well as her clients and is very professional. Thank you for everything and for being so patient. Even the follow up from when we first started was exceptional. She is an asset to your company.

Polly E. - CA

This was probably the easiest transaction with home finances I have ever had. Thanks you all. York was great and very helpful. If he was unsure of a question, a call back with answer(s) was prompt and appreciated. Best wishes to York. I would recommend him to anyone. Thanks to all for helping.

Michael L. - FL

Calvin went above and beyond to assist me during the loan process. He called or e-mailed me every step of the way to make sure I understood what was happening and what would happen next. He ran multiple scenarios to find the best way for us to save money. He is a great asset to your company! Calvin made me feel like I was doing business with a friend!! Kudos to Calvin!!

Calvin made everything so simple and easy. The best part was I was able to do everything from the comfort of my own home, in my PJ's if I wanted. I would definitely recommend this to anyone applying for a loan.

Alvaro C. - CT

Erick was exceptional in handling my refinancing. He was knowledgeable, friendly and was always ready to answers all my questions. He is really a true professional. Thank you.

Lloyd B. - PA

Annice goes beyond the job of a [mortgage] analyst. She cares for you as a person. I think that is very rare in today's business environment.

Debra S. - SC

Nita was excellent! I had never refinanced and she answered all my questions. She kept me informed, returned my calls very quickly, and was just a joy to work with. I could not be more pleased. Thank you so much.

Ed Z. - IN

In a world where most people no longer trust Wall Street, banks, or the government, it borders on miraculous that there is anyone that will actually tell the truth, provide accurate information and advocate for consumers when it comes to residential mortgage products. It has been my good fortune to have chosen you as you have been the only one that I have found that demonstrates these traits. As much as your years of experience and natural charisma contributes to the success of the process, the business is such that there most certainly is a corporate philosophy at Reliance [First Capital] that allows this to be so, since the opposite exists at other firms, and the absence of said philosophy would undoubtedly throttle your efforts, or at the very least temper your enthusiasm. It may well be that Reliance [First Capital] has discovered what most of the other firms, including the big banks, have missed, namely that consumers want honesty, even if the news is bad, and reliability, not because they feel that the two are rare like gems, but because most people are mostly honest and mostly reliable and they want to be treated the same way. They want terms they can understand and conditions that make sense. They want a person to answer the phone, not a computer. They want promises fulfilled and friendly service. It may also be that Reliance [First Capital] has discovered nothing and I just happened into the one mortgage professional that does it right. Either way, I have never had a financial experience that was this positive, and appreciate your efforts on my behalf.

I have enjoyed our conversations as well. I learned many interesting things, and hope we can remain in contact. I would most certainly refer anyone I knew to you. Reliance First Capital should know your presence gratifies their institution.

Stanley J. - PA

Sandy is the best! Thank you Sandy for not getting frustrated with me and making this work!

Robert M. - SC

Regan, as well as the processor who came to our office, was extremely well-organized and knowledgeable. The process was much easier and professional than prior closings we have gone through.

Michael N. - PA

Ken made the process quick and simple for me.

Pernell H. - PA

Our interaction with Phil was the best we have had with any financial representative ever. Phil maintained integrity throughout the entire process. We were never suprised about rates, figures, or any other resources we needed to have for the loan process. It trully is the Grace of God that led us to do business with Phil. I would highly recommend Reliance [First] Capital to friends and family.

My process went very well. This was a wonderful experience. I enjoyed working with Megan.

Jonathan L. - OH

Josh provided outstanding service. He was always timely in communicating the process and status of our refinace.

Leo L. - NH

My agent Jim was excellent! I've already mentioned Jim to a few people [as referrals].

Gary J. - NM

Ken called often and kept us up-to-date on the progress of our loan. Very nice and polite at all times.

Bill & Carolyn B. - KY

Thank You Sara! We appreciate all your hard work to help keep our dreams alive. Taking care of two stranger’s needs, you showed us the way to survive. Your professional, helpful, and caring ways and the understanding that you displayed. We thank you from the bottom of our hearts. You never faltered from the start. We will not soon forget. You, Sara, are one of the nicest people we have ever met.

Heather R. - NE

Joshua was the only contact we had with Reliance [First Capital]. This made the correspondence more commendable and less frustrating by dealing with the one person. You contacted us while in the middle of our correspondence with Quicken Loans. I was happy with Quicken, but it appeared through Joshua that Reliance [First Capital] would be less costly in the long run. I still do not know how different the actual outcome would have been if we stayed with Quicken. In fact, I wonder if Reliance [First Capital] actually got us a better deal or whether it was just the fact that Reliance [First Capital] was less complicated due to one person handling the account as opposed to Quicken where we received many phone calls for various people handling the account. I don't know whether we got a better outcome but we gained a new friend. I would prefer both the better outcome and the new friend though!

Kevin W. - CT

Everything went smoothly. Nancy was our perfect consultant and adviser. She listened to our concerns and provided us with a great package and low rate that consolidates our monthly mortgage and expenses into one payment that we can budget. She has taken much stress out of our lives. She was a pleasure to work with. Thank you Reliance First Capital.

Guy L. - PA

Chris was outstanding from start to finish! It was a pleasure dealing with Chris. He kept us informed every step of the way. We were very pleased with our transaction!

Gregory M. - PA

John was extremely helpful in describing the different loan options and explaining the differences between the various options.

David W. - IN

York WANTED to do my refinance and it showed in his attitude. Early on in the process, when I had opportunities to go with other lenders, his responses persuaded me to go with Reliance First Capital. Due to my individual circumstances I don't think this was an easy process for him but he was always there to keep it proceeding. I grew to value his concern for getting my loan processed.

I had another lender, who was local to my area, who tried to sell me on how important it was to work with someone local. However, the thought of having to drive even a few miles to process everything in his office, when it could just as easily be done electronically with Reliance [First Capital], helped persuade me to proceed with your company. I will recommend Reliance First Capital (and specifically York) to other owners in my community who may be considering refinancing.

Alberto V. - IN

When Calvin called me about refinancing our mortgage, I immediately explained that my girlfriend and I have a unique situation as my name is on her mortgage. Calvin said he would check into the matter to see what he could do and that he would call back within the hour. Calvin did call back within the hour and explained what was needed. I got everything together for him but I also explained that a dozen other lenders had told me they could help with our situation but they all were eventually unable to help (or simply did not call me back). I worked with Calvin and we got the loan done. Calvin was a really big help and I am very happy with his work and effort.

Dave D. - NH

Carla happened to place the first call to me when I was looking into refinancing our house. I know that she is a manager at Reliance First Capital, but since she made the 1st contact - she handled our process all the way from beginning to end. Her responsiveness, her positive and caring attitude was evident all the way through the process. She was extremely professional, but not at all aloof like so many people in the business. We also had a lot of help and workable suggestions from Brian in the [credit repair department] are at Reliance First Capital - we had to boost our credit and he told us how. This allowed us to ultimately qualify for our loan. If these two people are typical of the standard that Reliance [First Capital] sets for your team members - you should be extremely proud and successful!

I had obviously made inquiries to more than one mortgage company, but I was so impressed with Carla that I told everyone else I was all set. In fact one of the major players contacted me a couple of weeks before we were done, asked what was happening. I filled her in on our situation (I think our new credit scores had just posted) and I filled her in on the process and progress at Reliance [First Capital]. She asked for a shot to look everything over again, and when she called me back, she said that I should stick with Carla and the team at Reliance [First Capital] as you folks were taking very good care of us and our loan process! I will not divulge who they were but they advertise all the time and all over the place. So that's kudos from one of your major competitors.

We have refinanced our home several times in the 26 years we've been in this house. It's never fun or all that easy. Our experience with Carla has been remarkable. The first thing I have to say is that she actually cares about the clients she works with - and it's evident every step of the way. She was constantly in touch during the process. Carla was always encouraging, positive and professional. There were several times where I wasn't sure we could qualify or get approved, but she and her team kept looking for ways to make it go right. And they did! We closed a week ago and we’ll be saving a substantial amount of money every month. I offer my most heartfelt thanks and appreciation to Carla for all of her help and care during this process. I sincerely recommend her and the team at Reliance First Capital to anyone who is looking to refinance or secure a new mortgage!

Susan K. - FL

Carlton and Dave [Branch Manager] were the two people that made me decide to go with Reliance [First Capital].

Julie D. - WI

Everything went great. Annice is awesome and answered all my questions and got me a very good rate.

Laura C. - IN

Sandy was my main contact and guided us through the entire process with frequent updates and answered all questions. The media has been bombarding us about interest rates being at a record low. I continued to ignore the pamphlets from various lenders I would get in the mail, encouraging me to refinance. I made a spur of the moment decision to make an inquiry into refinancing on the Internet. Within minutes, I was bombarded by e-mails and phone calls. Out of the deluge of contacts, Jim Heisser stood out.

Being a transplanted New Yorker, Jim’s voice was familiar and reassuring to me. If that wasn’t sufficient enough for me, I learned that he had served in the Gulf as a U.S. Marine. The Marine Motto is ‘Semper Fi” and evokes trust. Jim fully delivered on everything he promised. He stayed in close contact updating me on the progress of my refinance. Jim also suggested a 15-year mortgage for me that I had not thought was possible, which will shave ten years and more than $100,000 off my mortgage. Jim possesses rare qualities we do not often see today - including that personal touch. Jim accomplished the mission to get me refinanced while managing to make me feel like I mattered and was not just another number.

Jim is truly an exemplary employee and Reliance First Capital should consider itself fortunate to count him as a member of its team.

Paul D. - PA

Sandy was my main contact and guided us through the entire process with frequent updates and answered all questions.

Lorraine H. - PA

Chris helped us walk through the process and made it as painless as possible.

Pilar L. - CA

Once we got over the change in personnel, the process was explained extremely well and information came on a timely basis.

Christina H. - NM

Toi was responsive, smart, personable and helpful. She stayed engaged with every aspect of the process, making sure my appraisal went through quickly. Toi should train all your other staff on how to win customers and keep them happy through this tedious process. She struck the perfect balance - letting me know she wanted Reliance [First Capital] to win my business - but never badgering or going over the top. In the end she won my business because she was the most responsive and helpful.

James S. - SC

Regan was very thorough and courteous. I enjoyed working with him.

Susan K. - CA

Everything went just as Matt explained it. He kept me well informed through the entire process.

Iona H. - FL

Cullen was "awesome"! He was professional every step of the way, offered words of encouragement and his expertise made the entire process possible. I cannot express my gratitude in words. He is an exceptional, caring and capable person and we appreciate all of his efforts! Dreama, the Notary who conducted our closing, was excellent. She was friendly, courteous and very professional. She conducted the business at hand without any difficulties and we appreciated her manner. This was an experience that will provide financial assistance to our future and we appreciate all the work Cullen did to make it possible for us. I do not have any particular referral at this time, but please be assured that we have spoken with glowing terms about your company to our friends and family and will most certainly recommend Cullen and Reliance First Capital the first chance we have.

Dorene T. - MN

I couldn't believe how fast and easy the process was.

Alice R. - CA

Dear Carlton,

Having finished a review of the legal epistle I signed with the Notary yesterday, surprisingly for a change, there are no questions. You must have done a superb job during the refinancing process explaining every request you had for me, and answering all of my questions - and at times even repeat questions - calmly, patiently, unhurriedly. I immediately felt from our first phone, call and throughout, so very comfortable and anxiety-free. This was contrary to my last financing experience in '07 which left me feeling ignorant, pressured, anxious and distrustful.
I must write to say thank you for your expertise and attitude which was all wrapped up in care and concern. Signing the documents yesterday was a really good feeling (another good surprise)! I knew what I was doing and it felt so good. So, thanks again for being there for me.
It goes without saying that If I ever need to repeat this, I know whom to call.

Logan M. - WY

Joseph was a true pleasure. He is courteous, efficient, and well versed at his job. Thanks Joe!!!

Gail D. - MN

RK did a great job, kept in contact with us through all the processes and up-to-date as to what was going on.

Melinda S. - CT

Nancy constantly kept me informed of the entire process. She was there at any time I had questions. And her upbeat and friendly nature made the process even easier!

Shannon B. - PA

John provided exceptional customer service by contacting me as necessary and building excellent rapport!

Stephen C. - FL

Rico did everything right. I can't [refer anyone] at this time, but I will refer anyone to Rico in the future.

Linda D. - PA

Chris was in constant contact with me and kept me up-to-date with the progress.

Rosemary L. - PA

John is a fine-quality person. I appreciated him more than I could write here. He truly was of great service with my financial needs. I am forever grateful.

Velma F. - OR

It was a pleasure to work with Philip. He is well informed and did not hesitate to check out any questions. He kept us up-to-date during the entire process. If the opportunity arises we would recommend him highly.

Eileen W. - PA

John was open, honest and up-front about all that could be done with our refinance.

John C. - PA

Bonnie was fantastic. She even called me on her days off and one time when she went home sick. Bonnie deserves all the credit from a fast and smooth process.

David S. - PA

John did an exceptional job. I do not normaly give anyone kudos for what I believe as doing their job, however I feel that John went above and beyond. He not only worked extremely hard on processing my loan, he also took time to actually get to know me. John is truly an outstanding performer.

Ralph B. - PA

Lynn did an exceptional job and did her best to get us the best loan available. She is a real asset to your company.

Patrick P. - PA

R.K. was in touch with us pretty much daily for over a month and a half this summer keeping us up-to-date about where we were in the process of the refinancing. He was able to help us to get some items corrected on our credit report that would have taken us probably over 90 days to get corrected, and he handled it in a matter of days. We were not aware of the mistakes on the credit report prior to our contact with R. K.. He went over and above any expectations we had of dealing with an individual in our refinance situatiion. R.K. explained in great detail all of the options available and together we selected the most financially advantageous option in our current situation. We cannot thank R.K. enough for all of his time and professional courtesy. Reliance First Capital should be proud to have him among your personnel. [Also], the appraisal process and closing process were easy and very convenient.

Daniel B. - PA

Well, it would be nice if every company had employees as professional as Bonnie, but then you would not have an edge. I work with hundreds of venders and customers every day and never have I had an expierance that was so consistant and positive as doing business with Reliance [First Capital] and Bonnie. Bonnie does what she says and says what she does. In business that is what the customer wants, expects, and deserves. 100 points plus extra credit for working this on her own time in the evenings and weekends. Thank you!!! Bonnie [was] exceptional in her drive to finish the process on time and to find the best "deal" she could for her customer. Nothing is better than sending off documents one time. Typically the norm seems to be to resend and resend because no one would look into the file and see that the docs are already on file. Bonnie had everything under control and on time. Thank you Bonnie!!!

Nancy M. - AR

Nita made this process as easy as possible. She was professional, kind, upbeat and never gave up. She returned my calls or responded to my e-mails quickly. She is awesome. I plan to give Nita's name and information to some friends that are looking into refinancing their home.

Jacob S. - NM

Phil went above and beyond in getting our loan closed and funded. It was very much appreciated. Phil's supervisor Diana also went beyond her duties to help get our loan closed and funded. Thanks for all your help.

Cathy B. - TN

Sara helped me tremendously and was very helpful with any questions or concerns I had.

Maureen G. - CT

Erick was exceptional in every manner. Erick was professional, personable, and very helpful. It was a pleasure working with him and we wholeheartedly recommend Erick as well as Reliance First Capital. Again, our experiences with Reliance [First Capital] from start to finish was a positive one. We were especially impressed with the personal attention provided and the feeling that Reliance [First Capital] was working with our best interest in mind. The information provided was clear, concise, and easy to understand. At all times, Erick managed every detail with the greatest of attention and was readily available at all hours. Thank you!

Rodney B. - PA

Michael answered everything and [is] the best sales person I have worked with.

Dietrich put together the loan and handle the loan process with us, from beginning to end, in a most corteous and professional manner. Her explanations were clear and she worked so hard to meet our needs. I would recommend her to anyone.

Keith M. - PA

Lynn was a very pleasnat person to work with.

Fredeva N. - FL

In the many years that I have worked with mortgage companies, banks, credit unions and other types of financial groups, I have never received services as outstanding, professional and, at the same time, friendly and caring, as I received during the time I worked with you on refinancing my home. Thank you for going "beyond-the-call-of-duty", to help me with my need to consolidate debt and improve my financial situation.

I am currently consulting with a financial manager to develop a plan for improving my credit score. With a higher score, I feel that I will be able to get a lower closing cost. I certainly hope that Reliance First Capital considers this possibility. Also, it is important that attention is given to appraisers whose fees are more realistic.

Again, I appreciate "service beyond expectation" that you provided. Definitely, I will remember Michael when I am ready to refinance.

Charlie M. - LA

Burke worked hard to make our loan go through and he was very professional but yet you felt like you were talking to a friend. I am so glad we tried (for the third time) to do our refinance. We had two bad experiences and I was not looking forward to the third try but it worked.

Bobby W. - AZ

Dear Joe,
I wanted to thank you for facilitating the processing of our loan. Perhaps my letter will help put to rest any concerns future clients may have about your service.

Joe was actually the first person we spoke with regarding our refinance. We decide to do business with Joe initially, but part way into the process, our financial planner urged me to reconsider our options and consult our then mortgage company. He felt that they would want to keep us as a customer, and offer a better deal. We made contact with them. They sent us some materials and that was the last we heard from them. I left one message on the agent's voicemail and he never returned my call. Weeks later I received a letter thanking me for my interest and to contact them if there was anything they could do for us. This was Morgan Stanley, and no, they could not beat Joe's rate. Next we spoke with Charles Schwab, and though I deal with them, they also could not beat Joe's rate. They were however, better at communicating than Morgan Stanley. While this hiatus in our process with Joe was happening, he kept checking to see if we were satisfied with what were finding out from the other companies. He didn't push us, he just let us spread everything out and compare what he had to offer against the other companies. He welcomed our investigating, sure that he had the best to offer. In the end, he did.

Our appraisal came in lower than what we needed to actually get the loan. So, Joe worked with the necessary department in his firm to fight to get an appeal of the appraisal. The appeal worked and the green light for the loan was on. All this time my wife was taking finals in college, kid's were finishing their school year, and we were planning a trip to the Outer Banks. A very stressful time as my wife had to do most of the leg and paperwork, juggle school and home and kids. I was on the road and on the phone daily, several times daily, with Joe. I was asking questions about different scenarios, different loans, rates and terms. Joe was always patient. If he did not have the answer, he would call later with it. This man is diligent!

Fast forward to now. The loan is in force. We have been on vacation and come home, I then went to China for two weeks, and I was really ill there, came home that way and have been busy since I came back. All this time I have had in the back of my mind to write this letter. Joe, I apologize for not having done this sooner. Life sometimes gets in the way and we say "I'll do that tomorrow" and the day comes and we forget or tell ourselves that we are tired and we'll do it later. Well, now "is" the later. Thank you, and Jim too, who also called me several times, for your help and service to get us what we needed. I think I can finally get this house paid for with the program we have now, and save a couple of hundred thousand in the process. You've earned this letter, and you never called to ask where it was when I said I was going to write it.

If you are ever in the Valley, call me. You have the number. Now I need to write some birthday thank you notes. I turned 50 in January.....(sigh). Thank you again.

Lorreta K. - PA

I can say one thing … the loan process at Reliance [First Capital] was quick and easy! Most of the other people that called me barely gave me information at all and were vague… RK took the time to let me know what all my options were and took the time to call me and explain all the paperwork when I got it. I’m glad I chose to work with him and Reliance [First Capital]. Job well done.

Serapheim K. - CT

I must say that I have never had a motgage loan process move so quickly and so smoothly. Erick was on top of every item and kept me informed daily of the progress. Treat Erick good. He would be a major asset to any organization. I spent 31 years with GE and I know a good man when I see one. [As for referrals], I will keep looking and always refer my friends to Reliance First Capital.

Leisa P. - SC

Burke was responsive and kept me informed every step of the way. He answered my calls promptly and even called during evening hours when that was more convenient for me. I appreciate his support and assitance throughout this process.

Deborah C. - FL

Carl has done a wonderful job handling our refinancing. He answered all our questions in a very timely manner and provided us the information we needed to make the right choices. My husband Jon and I will certainly recommend Carl to family, friends, and co-workers interested in obtaining a new residence or refinancing their current home. In closing, this has been a positive and minimally-stressful experience for us and Carl was the reason for this. He has excellent communication skills and truly puts his clients needs first and foremost.

Francisco G. - FL

Shane was very helpful, cooperative, and responsive to our needs and desires. He went above and beyond our expectations.

Anna G. - FL

Corey helped me through every stage of my refinance process. I was extremely pleased with the service Corey offered as refinancing can be such a stressful experience. Corey held my hand the whole way and made sure I understood everything that going on. He was a joy to work with and when I closed there were no surprises. I’ve recommended Corey and Reliance First Capital to my friends Carla S. and Frank L.

Thank you, Corey!

Richard H. - FL

Will kept me updated from day one thru the entire loan process. He also offered different options as the process progressed. I'm very pleased. Thanks.

David T. - CT

This was a great experience. Marcia made this happen for me. She took her time and helped me through the the entire process. What a huge asset she is to your company! As a veteran, this made me proud that your company took such great care of me. Thank you.

Jennifer P. - CT

Michelle provided exceptional service. She was professional and went above and beyond to get this loan for us. She returned calls almost immediatly. When there were issues with the first closing date she returned calls late on a Friday to try and resolve the issues. Randy [Branch Manager] called us on several occasions to make sure we were happy and to answer any questions we had. I was extremely skeptical in the beginning as we had tried several times with other companies to get a refinance. The mortage we had was causing a lot of stress for our family. I cannot begin to tell you how much the getting this new mortgage has done for my family. Thank you so much!

Janet B. - TN

Marcia went above and beyond to keep me informed!

Jeffrey G. - MD

John went above and beyond as far as letting us know what was happening through out the loan process. He didn't have any problem returning our calls even late on Friday evening or Saturday. We were very pleased with his service. The closing agent was very nice, however she wasn't as informative as we were expecting. All in all everything worked out fine.

Joseph G. - OR

Erick was great through the entire process. He even contacted us in the evenings and on weekends when we needed things done or had questions.

Thomas M. - NH

Erick stayed with the process until the very end... never did he drop the ball.

Barry L. - PA

I'd like to relay my feedback regarding the re-financing of my mortgage with your company and in particular to express my thanks to Katherine for saving me a great deal of money. First and foremost, working with Katherine was a pleasure. She first contacted me in the spring and I asked her to get back to me in the summer. She politely did just that. Although I was a bit reluctant when she did get back to me in the summer, she talked me through the process and let me know about the opportunities and options available. Katherine was friendly, enthusiastic about her job, very informative and thorough. She returned my calls very fast and gave terrific visibility into the process of refinancing.

When looking at my mortgage insurance, Katherine noticed that I was over paying. This led to an eventual reduction of my insurance premium of over $1000 per year !!! This overall process was very easy and was even enjoyable thanks to Katherine. I would definitely recommend her to my friends or family, because she worked so diligently to resolve our issues, was so knowledgeable, and working with her was a pleasure.

If I can provide you with any additional information, please don't hesitate to contact me.

Keith F. - PA

Todd was fantastic to work with !!!!

Michael D. - PA

Both Todd [Mortgage Analyst] and Steve [Branch Manager]went the extra mile in coming to the office early to address an issue with the mortgage so that the settlement would go smoothly. Kudos to both of these individuals for a job very well done.

Greg & Marianne B. - IN

Marianne and I would like to express our sincere thanks for your prompt and professional coordination of our recent mortgage refinancing. We presented needs specific to my recent retirement, as well as Marianne's next year. We also had the added frustration of being placed on the bottom of a large pile at that big bank that rhymes with BOA, previous to making contact with you. You transcended the role of “typical loan processor”, providing us with valuable financial guidance, best suited for retirement and the complexities of the current financial market. Your diligence, perseverance and positive nature were instrumental in making a happy retirement even happier! We have dealt extensively with mortgage financing in the past and we can honestly say, you're the best!

Michael and Jeanette J. - OH

Just wanted to let someone know what a pleasure it was to have Doug work with us to refinance our home. He was very professional and personable on the phone. He kept us up-to-date during our loan process and explained everything in terms that we could understand. You have a valuable employee and we would refer him to anyone. Our only regret is that it would have been nice not only to have met him but to shake his hand.

Bernard J.P. - NH

Jim is a professional who strives to do the very best for his client.

Tanh N. - CA

Michele is a great [mortgage] analyst. She help me get the loan that met my expectation and got the loan processed within 2 weeks time. Thank you

John S. - PA

John was the best I've ever dealt with. Also his manager was very helpful. I don't know of anyone at this time [to refer], [but] should I hear of anyone, I will provide them with John's information.

Marge and Rick C. - PA

Sandra was wonderful to work with all steps of the way. She was constantly on the phone to help us with questions and the loan process. Thank you for everything, Sandy and staff.

Stephen D. - CA

I'm writing to you to compliment the service I received from Ed on my recent refi. I had been searching for 18 months to find a lender that would allow me to combine my 1st and 2nd. All the brokers and lenders I dealt with told me the same thing, even those who represented FHA-backed loans, because I was over 85% loan to value ratio, I wouldn't qualify. How the others who represented FHA loans failed to tell me that the FHA was backing loans over the 85% ratio I don't know. My guess is that their superiors were telling them to avoid those in my situation. Perhaps I just didn't come across the accurate info and if I did, I missed it, but during those 18 months I spoke to many brokers and lenders. I didn't keep track of how many and I spoke to and only took notes from those who could come close to helping us, but wanted cash from us to make the deal.

How did I find Reliance First Capital? I answered a cold call received in response to one of the many online apps I completed. The call came on my landline, which we rarely answer anymore because it's always solicitors for things we don't want. I just happened to be home in my office and answered the call. What followed was a follow-up call by me that put me in touch with Ed.

My experience with him over the next couple of weeks changed my life. Finally finding a lender that would take us on has been such an enormous relief for my family. The bank that held my HELOC was unbending in its refusal to recognize what a good risk we were and I climbed a ladder to speak to several higher-ups after being treated rudely, coldly, and then dismissed, "Sorry, our hands are tied by FANNIE MAE/FREDDIE MAC. Your loan to value is simply too high." Appeals along the lines of our employment history, great credit scores, years lived in the home, and the top to bottom remodel done with a lot of our own labor, went ignored. The result was a deeper state of disillusionment with banks, the attorneys who advise them, and the insurance industry that determines people's lives with their actuary tables.

Ed told me a different story. One that proved that my wife's and my excellent employment record, excellent credit scores, length of time lived at our address, over $200K of improvements made during our remodel, and the accurate record-keeping of those improvements DID matter. The loan is done, we're no longer fighting a losing battle with our HELOC, we feel pride instead of regret for the money and sweat put into our home, and have had some of our faith restored that there is at least one lender out there that operates ethically. I give all the credit for these new realities to Ed. Give the man a raise, send him and his family on a month-long paid vacation to a destination of his choosing and have him lead seminars on proper ‘customer care’.

Michael L. - PA

Lynn was awesome. I wish you all were closer so I could meet her!!!

Lisa R. - CA

My loan analyst was RK, and he provided excellent customer service and information. It was an extremely busy time for me at work during this process and he was very patient and understanding. My only concern was with the underwriting process. I understand that, due to what had previously happened in the mortgage lending industry, the process has become even more complicated. However, RK kept me abreast of everything that was going on and made it as smooth as possible.

Josh was amazing to work with. His patience and professionalism with all party's involved was above and beyond what I would have expected from anyone. Josh never got off the phone leaving me with any questions….. for that matter he answered them all before I could ask. He kept us calm about anything that could happen. Josh is definitely an asset to your company and you are lucky to have him working for you. Be sure that when I know of anyone buying a house, Josh's number will be the first I give them.

Dorothy P. - AZ

Matt was FANTASTIC!! I have never been kept so well informed about anything as I was for the status of this refinance process. I have to admit, when he told me it would be done before I went on vacation next week, I didn’t really believe it…BUT, he accomplished it!! He was always very friendly, but professional... and always had the answers to my questions, though truthfully, there were very few questions as he always seemed to anticipate the question and answered it before I had a chance to ask it! Where I work, we are very concerned with “Customer Service” and Matt exemplifies the absolute best in Customer Service!! Thanks, Matt, for all your hard work on my behalf!

I would also like to compliment Joanne, the person who did the closing. She was great as well... very personable and knowledgeable and, except for the amount of times I had to sign my name, she made it enjoyable.

I do not know of anyone at this time, but be assured, I will definitely recommend and give them Matt's contact information. Thanks again, GREAT JOB!

Jan K. - OH

Rico’s [Mortgage Analyst] and Dave’s [Team Leader] patience and understanding, especially when the first appraisal came in so low, and their problem-solving skills as they reworked my options so many times and explained each option, [was exceptional]. They made a stressful situation fun. I never thought I would laugh so much through a refinance.

Carol M. - CA

Matt was friendly, helpful and supportive throughout the process.

Deeann K. - PA

Todd [was] very courteous and responded to phone calls timely. He was willing to explain anything that was asked of him.

Jean D. - CT

Ken was a pleasure to deal with. He was extremely informative and made me feel very comfortable throughout the entire process. I would recommend his services to anyone of my friends or family.

Kevin K. - PA

Hi Rhiannon,

Thanks so much for researching this for me! That's some good news. We are going to Myrtle Beach in August so that will help out nicely! If you don't mind, if I know of anyone who is looking into refinancing I will refer them to you & Reliance [First Capital], OK? You have been nothing but COURTEOUS & HELPFUL! Also, most importantly, you follow through on everything you say you are going to do which is excellent service! Thanks for making this experience a BREEZE!

Craig B. - PA

It was almost unbelievable the way the process went. It was so smooth. I was waiting for something to slow down the process or some sort of mix up to happen and it never did. Thank you so much for quick and swift action without any hitches.

Ed and Maryann M. - SC

We are writing this letter to heartily commend one of your employees, Johnny. We recently applied to have our home mortgage refinanced with your company, and Johnny was our contact person with Reliance First Capital.

Throughout this tedious and at times frustrating process, Johnny remained a true and dedicated professional, in his patience, understanding, and fortitude to accomplish this transaction for us. On a few occasions, we were almost ready to “call it quits” and not go through with refinancing. But Johnny assured us that the worst was behind us, as far as gathering the volumes of information and records necessary, to complete everything. He helped us to see that it would most definitely be to our advantage to see it through to completion. He reiterated to us the amount of dollars we would be saving in the long run and that it was definitely worth our while to complete the transaction. We are certainly glad we took his advice and we successfully closed on our loan on Friday, July 2nd.

It was always a distinct pleasure to transact any business or communication with Johnny, be it by telephone or by e-mail. Be assured that if any of our family members or friends decide they need similar assistance, Johnny would be the first person we would recommend, without reservation, for them to contact.

We cannot state enough what a definite asset he is to your company.

Keith T. - CA

Megan was my primary contact and was extraordinarily helpful.

Ralph E. - CA

Not only is he in a Master's program and taking certification tests, he would contact me within hours, explain the process in easy-to-understand terms, and handled matters in a professional manner. Rico has great customer skills and provides excellent customer service. Truly, an asset to your organization.

Cynthia E. - PA

I would like to take the time out to make you aware of the outstanding job, your employee, Sandra has done in helping me refinance my mortgage. Her concerns, immediate responses to questions and help in all areas made this easier than expected. Her follow-up and daily contact with me made me feel like I was her only client. She had a target to reach to my benefit and stuck with that date. Even went out of her way with issues that didn’t pertain to her particular task.

I am very appreciative to her and wanted to acknowledge my gratitude.

Thanks and have a great day!

Timothy J. - PA

What can I say about Todd? He was absolutely wonderful throughout this entire process. He was very prompt, courteous, respectful, friendly, caring, professional and exceeded each and every one of my expectations. He cares about his customers and actually builds a rapport with them and does not just go through the motions. I feel that Todd is a tremendous asset to your company and I will be recommending your company and providing Todd’s contact information to anyone that I know who is in the market to refinance. His contact information I will be keeping if I need you again in the future. Thanks Todd!!!!! I think you are the tops. I thought the process was a long one but I understand why the process is the length it is because of the way the credit market is and we had to make some revisions to my loan and they type of loan. I don't have any suggestions to improve the process. I think it is fine the way it is.

Angelo G. - PA

We recently contracted with your firm to renew the mortgage on our home. During this process, we were serviced by Bonnie. My purpose in writing this note is to inform you about Bonnie’s performance in this matter.

We appreciate very much the earnest and sincere help afforded to us by Bonnie. We received excellent and timely advice in the execution and closing of this agreement. Bonnie was with us all the way through the entire process and did so in a way that was encouraging, information and friendly.

You and your company should be very proud and thankful to have such a loyal, efficient and dedicated employee. We truly enjoyed working with her.

Michael and Jeanette J. - OH

Just wanted to let someone know what a pleasure it was to have Doug work with us to refinance our home. He was very professional and personable on the phone. He kept us up-to-date during our loan process and explained everything in terms that we could understand.

You have a valuable employee and we would refer him to anyone. Our only regret is that it would have been nice not only to have met him but to shake his hand.

Karl D. - OR

I recently needed to do a refinance on my house to get myself out of a 5-year ARM. I decided to use Reliance First Capital for this. Erick was assigned to my case. He contacted me and discussed all my options and put me into a very good loan. Erick kept my updated at all times and worked tirelessly to close my loan. I was very pleased with Eric’s work ethic and devotion to me as a client. I would highly recommend Erick for any of your mortgage needs.

Joseph T. - OR

Matt provided sound advice. I'd be happy to work with Matt again.

Tony G. - ME

This guy was great, very freindly and answered any questions we had directly. He worked very hard to get us what we needed. Without a doubt I would reccomend your company to anyone. He certainely looked after us and, as I said, kept us informed. I am sure you have other many other people that do the same job as Joe and, if they are like Joe, you must have a very successful company. From my wife and I a great big ‘thank you’. I do not have [a referral] at the moment but I will for sure reccomend your company to anyone that needs a good company.

Kelley H. - PA

In the tough times I have been going through, refinancing our mortgage using my wife’s income was not something I would have thought of. Rhiannon’s timely call and professional way of doing things saved our house and will make life alot more bearable in the future. Thanks again Rhiannon!!!!.... p.s. SHE BETTER GET A RAISE!!!!

Barbara K. - WA

Tom was great at answering all my many questions thoroughly. I took time to understand every step in the application process. It went smoothly at closing because I had an understanding of each process. Kudos to Tom (and Brian who stepped in when Tom was out of the office).

Barbara M. - PA

Lynn gave 110%, she is the BEST! Jeff also was so helpful, they make a good team. I would not have gotten through this without their help. My suggestion: Give them a raise.

I can't say enough about Lynn, she was there with me every step of the way. I truly could not have gone through all this without Lynn's help. I am recently widowed and this was hard for me doing it by myself. I honestly feel my husband sent Lynn to guide me through this. She most importantly gave me the trust that I needed. I would recommend Lynn to any of my family & friends as she is definitely there for the customer. My loan was a difficult one and every time I wanted to quit, Lynn was there to help me go on. Now she has made my life much easier as my rate of interest is saving me a lot of money. All I can say is: Thank You, Lynn from the bottom of my heart and a special thanks to Jeff also for making this happen.

Cynthia G. - NM

Jonte and Carla both worked courteously and tirelessly to get this transaction completed. Carla went above and beyond, dealing with unforeseen circumstances and people. I appreciate her efforts tremendously.

Paul B. - FL

Erick did an exceptional job working with me to find the best option for my financial needs.

David D. - OH

Brian was wonderful to work with! He was very congenial while maintaining a highly professional demeanor at all times. He was very detail oriented in both his conversations and in the documents delivered. He worked fast and kept me apprised of each step in the process.

Daniel C. - OH

Just to let you know I enjoyed working with Rico. Unfortunately, I could not get a loan due to my own finances, not through Rico’s own hard efforts. Additionally, he was eager to learn and share knowledge, and that puts his service a step beyond what I have normally experienced with the lending process. As a CPA and landlord, I may have future credit needs, and I would certainly consider contacting him again.

Lori S. - CT

I feel that, as difficult as my case was, other people would have given up. Josh was very determined and I'm sure he put in endless hours just for my situation.

Anyone who comes across my path will be referred to Josh [and] Reliance First Capital.

John L. - CT

Michele was extremely courteous and prompt throughout the entire process. She is a great example of what great customer service is. She was considerate to our needs and very efficient throughout the entire process.

Charles G. - CT

I just wanted to take a moment to drop you a line and to thank you and Reliance First Capital for the painless re-finance of my home.
I spoke with several companies. I chose Reliance [First Capital] because I detected genuine desire by you to follow the procedure from start to finish.
I am glad I followed my instincts. I have always believed in the “personal touch” in conducting business rather than losing an account to a “number” or someone saying I will try and help you. My refinance went smoothly and without any hitches. I would recommend your firm to anyone. You are a professional and I tip my hat to you and your staff.

Laura C. - OH

I have been working with Rodrico for the past few weeks and I find him to be a most kind gentleman. He was not a bit "pushy", he listened to my concerns and called me when he said he would - certainly the most trusted loan officer I have ever worked with. Thank you.

Judith F. - IN

Michael was exceptional. He kept me informed about the process and told me what to expect. He was the greatest and thank you for having him as your employee.

James L. - OH

Bill was very helpful and great to deal with.

Otis L. - SC

Cornell, I want to thank you for the excellent job you did. You did everything you promised and in the time you said. I was truly amazed at how quickly everything was done. Again I thank you for the great job. MAY GOD BLESS YOU. If I hear of anyone that is in the same situation or one similar to mine, I will be
sure to tell them about you and Reliance First Capital.

Vivienne C. G. - FL

Ken kept me informed with the whole process and I will recommend him to any of my friends in the future.

Elaine A. - OH

Doug was very personable, friendly, and knowledgeable.

Merle T. - OH

My experience with Reliance First Capital was a great and smooth experience. Joshua was my loan officer and did a wonderful job on staying on top of things throughout my process of my refinancing of my house. I had a few personal things that happened while I was refinancing and Joshua stepped up to the plate and help me through and was patient with me until I figured out what was going on with my personal life. When I got it all figured out, I called Joshua and he made a few phone calls and [my loan] was closed with 48 hours. I will hand out his business cards to all of my family and friends.

Sandra E. - AZ

Lynn had a very difficult process to go through in my situation. She was patient and positive. As I had doubts, she encouraged me. She was professional and we also had a few laughs during the 5 months it took!

James P. - PA

After dealing with another company, Mike was a breath of fresh air. He actually followed up when he said he would, which, believe it or not, is not the norm. I can't say enough, your company was great!

Debbie C. - SC

Burke,

Sure do appreciate the hard work and creative thinking you put in to our refi. I was close to losing faith in my favorite republican that you could pull it off, but wonder of wonders. The change in circumstances that this brings about will be so beneficial for me and Tony and we really want to thank you a lot. If I ever get the chance to make a referral to you, you can be assured that I will do so gladly.

Thanks so much.

Bryan B. - MD

Rhiannon is an absolute benefit to Reliance [First Capital]. She is very professional and extremely helpful. You definitely have a star with you!!!

The Wu Family - CA

Thank you for your services; my family and I are very grateful. You and your company are one of the very best and I will recommend you to my friends. You have great experience, dedication, and appeal to the customers likings (i.e. the incredibly fast service and sincerity). You have taken away our seemingly never-ending stress and we are very grateful for your help. You are a lifesaver, and probably the best at what you do. Thank you again.

Margie A. - OR

We had talked to several banks and mortgage people over the last 6 or 8 months about refinancing. [We] had given up on getting a deal that would not cost us money until Rhiannon called.

Barbara J. D. - ME

Hey Joe,

I just wanted to send you a quick note to thank you for all of your hard work and attention to our refinance needs. After having dealt with other companies and their staff, I found you to be a breath of fresh air. I laid out what we were looking for and you made it happen in a very friendly and professional way.

I will not hesitate to send anyone your way should they need your services.

Ronald D. S. - MD

Troy recommended an alternative to what I was pursuing and he stayed in touch throughout, patiently explaining every detail, not like a con artist who had the upper hand, but as if he was concerned about how the procedure would affect me. He was always there with useful information. When I have a referral, I will definitely recommend Reliance First Capital and particularly Troy.

Dean Carlton H. - OH

Brian was very helpful, knowledgeable and understood my situation. I greatly appreciate all of his help in the process. I will definitely refer people to Reliance [First Capital].

Bobby D. W. - AZ

We had fun on the phone. Most enjoyable loan I ever applied for.

Vincent and Michelina N. - FL

On July 13, 2010, I received a phone call from Dana [a telemarketing agnet] who briefly informed me about your company regarding low interest rates on refinances, and that you are FHA approved. I replied that my husband and I do not qualify for an FHA refinance mortgage loan.

As a result of Dana's phone call, on July 15th, 2010, I did receive a phone call from Rico. Our conversation was a pleasant one, a professional one, and Rico did his very best to assist me, even if the outcome was not what I needed. Needless to say, my experience with Rico was a positive one. I was hoping I could refinance my home and go with either a 30-year fixed mortgage or go for the so called "SmartPay" program.

Unfortunately for us, [our current mortgage lender] declared bankruptcy and renamed the financial institution. In the interim, I negotiated and got a mortgage loan modification from [our current mortgage lender]. This took a long time to be approved. My original loan mortgage was for $[xxx,xxx.xx]. Soon after it was increased to $[xxx,xxx.xx]. This increase represented the three months my husband and I could not pay (May, June and July 2009). There was absolutely no failure on our part. [The renamed financial institution], a bunch of crooks and, its associates, nasty, had ultimately the audacity to report $[x,xxx.xx], already included in my mortgage loan modification, to the Credit Report Bureau. I wrote letters to Experian, Transunion, and [The renamed financial institution]. Their reply, dated 3/11/2010, for an adjustment to the credit bureau reporting, was basically denied. At one point, I wanted to write to the Florida Attorney General, but having learned my letter would be discarded, I decided to just wait until our economy gets better and our homes valued justly.

In closing, my husband and I hope we can refinance in the very near future with Rico [and] Reliance First Capital. During our phone conversation, [Rico] was also gracious enough to give me info on three websites regarding home appraisals. I knew of one, www.zillow.com.

Please thank him on my behalf. I will reiterate once more that I indeed enjoyed conversing with Rico and that we, my husband and I, can hope again to do business with a "reliable" financial institution, such as yours!

Chestina B. - OH

It was a pleasure doing business with Reliance First Capital.

Charles R. S. - AZ

I wish to commend to you Matt. Matt recently handled my home refinance in the most professional manner. He worked with me to arrive at the best possible loan package for me. I was kept very well informed at every juncture of the process. It was a rather long process but not excessively long. Matt promptly returned my calls and usually had any information I requested to me in a timely manner. I could not have been happier with the service and attention I received. Matt should, if he is not already, be considered a top-notch employee.

Noy V. - PA

Katherine was very helpful from day one and throughout the entire process. I am glad I chose Reliance First Capital to refinance my mortgage.

Richard E. W. - TN

Becky was wonderful.

Peggy Renee C. - FL

Genie provided exceptional service. She was friendly, sincere, and kept me informed along every step of the way.

Michael J. B. - AR

Sara was my Mortgage Analyst, and she went above and beyond my expectations. Taylor, her manager, also was very helpful and understanding to my concerns. I have to admit I was nervous about talking to a lending company I found over the internet. Sara eased any and all my concerns and the whole process went smoother than I had expected. I feel as though I have found not only a company who was willing and eager to help, but also found a new friend. Thanks Sara for all that you have done for me and my family.

Angie W. - OH

Willard provided exceptional service by informing me of all options, always returning my calls promptly and taking the extra time/going the extra mile to make sure I thoroughly understood the refinance process.

Brenda D. - NH

Everything went just as Ken said. Two weeks from start to finish. Very fast and he worked very hard to make this happen. I would recommend Ken to anyone interested in looking for a loan. Thank you.

Sandra M. - PA

Katherine was very concerned about what I wanted to accomplished and respected my feelings.

Charles R. S. - AZ

Matthew was great. He kept me up-to-date all the way through the process.

Cynthia B. - NM

The recent experience with your firm’s handling of my refinancing application was one of extraordinary attention, particularly by Joe.

My refinancing was not one without challenges, however Joe and the entire team at Reliance First Capital refused to throw in the towel. Joe explained every painful step and kept me well informed. Even when there was no change to report he checked in on me to let me know I had not been forgotten and to see if I had any questions or concerns. Joe and the entire team were very attentive, supportive and knowledgeable. Unlike so many businesses today Joe was available 24/7 and if I did get an answering machine he always called back promptly, even with the challenge of a two-hour time difference. Working with Joe and the entire team I felt like a member of the family. A family on a mission and no one would accept defeat. They left no stone unturned and engaged whoever was needed, even at their expense to accomplish the task. Joe fulfilled every commitment made at the onset and more. Throughout the many request by the underwriters, Joe’s explanations for additional documentation kept me assured of a successful conclusion. Had it not been for his constant reassurance, I would not have concluded the transaction.

Honesty, dedication and ethics are rare qualities in the business world today, much less in the banking industry but they are most defiantly words to describe Joe and the Reliance First Capital team.

Doug was wonderful. I just wish the appraisals hadn't been so confusing and we'd been able to lock-in at the lower rate we had originally hoped for.

Lorraine Sue H. - IN

Matt kept strong communication with me and he was courteous and a huge help. Job well done Matt!

George and Deborah T. - OH

Matt [Mortgage Analyst] and David [Branch Manager] were great to work with. They offered many solutions and kept us informed through the entire process.

Fred P. - OH

Rodrico is very good at what he does. I was very glad to do business with him. He knows his business and does an excellent job.

Fred P. - PA

I wish to thank Katherine for doing an outstanding job on handling my refinancing of my home. Every step was done to perfection. I would recommend her to anyone that needs to either finance or refinance their home. Thank You.

Luke H. - PA

I'm writing this note to share my excellent experience with Reliance First Capital, and in particular mortgage analyst Katherine. I originally was pre-approved for a mortgage with another company. Following the pre-approval I found a house that I loved, put in a bid and entered negotiations. After this process was started I learn from my mortgage lender that my pre-approval was conditional on my credit score coming up a few points which my contact at the company assured me would go up the needed amount in a month's time on its own. Well it didn't and I was in a position that it didn't look like I would be able to get the mortgage, and would lose the house as well as my money. I found Reliance [First Capital] on-line and began talking with Katherine. I explained my situation and instead of waiting around to see if my credit might have gone up on its own, Katherine took a proactive approach to help me get my credit to where it needed to be. After much persistence and attention to my situation from Katherine, we were successful in raising my credit, getting a great rate and allowing me to purchase the house I had at this point fell in love with. I am absolutely positive that without Katherine's help I would not be living in my house right now. My experience with Reliance [First Capital] was extremely positive and I was shown personal attention and could tell that Katherine genuinely cared about me and my determination to close on my house. I would recommend Reliance [First Capital] to anyone and am extremely grateful for everything Katherine and her colleagues have done for me. Thank you Reliance [First Capital] and especially, thank you Katherine.

Sincerely,
Luke H.

Jeffrey & Jennifer O. - PA

Sandy was great to work with.

Jim M. - MN

Dear Katherine,
Hello, I would like to tell you how pleased I am with working with you and your company, Reliance First Capital, on securing this home loan. Although the process took some time and clearing some hurdles, I am very happy with the way you handled all the transactions. Your patience in walking me through the loan application and other issues that needed to be resolved has been a valuable asset to your customers. Also, you went way out of your way to show me how to clean-up and bring my credit rating up to a wonderful level. Your personal commitment to helping your customers is way beyond any others I have dealt with in the past. Your company would do well to use your approach to helping people as a model. I can't say enough on how pleased I am with the overall experience I have had working with you.

Richard B. - CA

Joe was extremely helpful from start to finish and continually kept us informed of all steps in the loan process. He was always very courteous, kind, and very cheerful. A true professional!

Gary N. - OH

Mike was HONEST and did not tell us something and then renege during the process.

Douglas P. - OH

Rico went above and beyond in an attempt to secure financing for me. He provided all documents and answers to my in-depth questions. He was ever patient with my tendency to become short-tempered and impatient when frustrated. I plan on re-evaluating my options next year when my financial situation changes and Rico will definitely be my mortgage analyst.

Debbie C. - GA

When I decided to refinance my home I spoke with six different lenders.Reliance [First Capital] was my second call. Some were helpful, some were not, but I decided to go with your company because of Sara. Her knowledge and wonderful personality made me choose Reliance [First Capital]. I called her numerous times with questions. If she was busy and couldn’t answer my call, she always called me back and put me at ease. Although we closed on March 11th, I called Sara with a question yesterday. She was just as professional and wonderful. I have recommended her to many people.

I am a Flight Attendant with Delta Airlines. I have been flying for 35 years. Customer Service is so important to me. Sara not only has knowledge of her job… her customer service skills are remarkable.

Please let her know how much I appreciated her.

Robert & Joy F. - PA

Sandra helped my wife and I from start to finish to secure my refinancing loan. She went above and beyond even after the loan was finalized.

Woody W. - SC

I'm very happy with my loan, thanks. I sent an e-mail to a friend [recommending your company] that works where I do ... I hope she calls.

Jason T. S. - NH

I am extremely pleased with the whole loan process and will recommend to anyone who asks! Sometimes when you’re going for a loan you feel as though the banks are trying to get over on you or pull the wool over your eyes. At no time did I feel like this. That’s because Ken was there to answer any and all of my questions at any time. Ken made me feel so comfortable during the loan process. You have an a-plus employee in my eyes. Thanks again Ken!

William H. - CA

Marcia gave me exceptional service (as she said she would) and always kept me informed.

Paul B. - PA

Sandra was great. Very responsive.

Diane S. - OH

Joshua provided exceptional service. He was prompt in returning phone calls. He was very professional, but also made us feel that he really took a personal interest. We had been looking into other mortgage companies and no one came close to the service we received from Josh. We would be confident in recommending Josh to friends or family.

Jesse R. - FL

I just want to take this time to thank you, [Nancy], and your team for the help that you have been to us throughout the whole process. From day one we felt like you were on our side during this and you all have done everything you could to make sure we were happy. Thank you for this. No matter what the issue was you were there to help us. I would and have recommended you and your team to friends and family because of your exceptional service. Again, thanks for everything you have done for us.

Annette H. and Peggy M. - FL

Dear Jim,

Peggy and I wanted to write you a note to thank you for your wonderful support and guidance through our mortgage refinance loan. We truly were blessed to have found you as our advisor through the process. You and your team made this a very pleasant and trusting, smooth process. We will continue to call you for future advice and loan needs. You have honestly won our trust and deeply thank you.

As you know, we were hesitant on refinancing due to a previous years refinance disaster experience. You have helped us turn our finances around within a few weeks. We thought it would take us years. We were one of those statistics from a bad economy (laid off from our long tenure jobs), starting new journeys on other jobs. You helped us know our credit scores, how to review them and how to keep them on good standing. We went from a 12% variable rate (don’t ask…) to a 5.5% fixed rate. We have money actually going to the principle again.

We both are so happy and can look back and learn from our financial mistake. You are such a rare and special, trustworthy soul/friend that we will continue to keep in touch with you.

Wishing you continued success and many blessings.

Ivan Z. - NM

Just wanted to thank you for making what could have been a long and difficult process so simple. I have always been cautious of doing long distance transactions but, once we established our own communication method, the process was smooth. I deeply appreciate your honesty and your professionalism.

I enjoyed doing business with you, [Brian], and your company. In fact I have spoken with several of my co-workers and you should be getting some calls in the near future.

Once again, thank you…

Patrick M. - MD

I am very pleased that my loan went very well. I will use this company in the future and refer others.

Thomas R. - IN

Carla, I know I should keep, as you have, professional (my close friends say I wear my heart on my sleeve). Since 1971 I experienced many home and business loans. Years ago, a major bond issue in N.J. purchased rental properties in my home town. I’ve been knocked down at least once, but got back up. Most importantly, with your help! You ‘got-er’ done! Especially since my credit was not up to standard. Working with you was a wonderful experience, exciting, real and honest! I am happy you took this and ran it to the top. During the whole time I felt like I have known you all my life.

I Sincerely THANK YOU!. You deserve any bonus and promotions that come your way.

Baldomero C. - OH

It was pleasant working with [Rodrico] on refinancing our loan. We just wanted to thank you for the great customer service you provided us. It was greatly appreciated.

William S. - OH

Rico was a pleasure to work with, always upbeat and informative. As soon as I expressed interest in combining our mortgages, Rico was the first to respond and we felt he deserved our business.

Jose L. - FL

The closing went great. [Michele], you did a super good job and for that I thank you from the bottom of my heart. Stay well, and keep doing a good job. You are good at what you do. Please make sure you pass my congratulations to all of your staff. They too are part of the team.

I highly recommend that all Reliance First Capital employees model their customer service attitude to mirror the team that processed my recent loan application. I truly don't believe your procedures and processes can get any better than the services I experienced with the company.
Marcia exceeded "exceptional service" from the initial contact and continue the same behavior throughout my complete loan application and finalization process. [Marcia] should be highly recommended!

If I may rate Reliance First Capital; five stars are tops and you are leading the way in customer service in all aspects.

You will be the first to come to mind if there are any future encounters and inquiries for loan or financing needs. Again, thank you for your superb services.

Sue L. - PA

Heather, our mortgage specialist, went above and beyond the call of duty to provide us with the utmost excellent service. She kept in constant contact with us throughout the entire process, returned any of our calls immediately and explained, in detail, any info we had questions about. Heather is exceptional! Other than hiring more employees exactly like Heather and Carla [Heather's Team Leader], your company is wonderful.

Ryan and Sherri D. - PA

Lynn was the best. She went out of her way to make sure my loan was completed on time and was more than willing to help me get the best deal I could get. Lynn did more than I ever expected. I have already recommended her to many of my neighbors who are interested in refinancing their homes.

Rodney S. - SC

Marcia was awesome to deal with. Anyone who can take dealing with my wife deserves a gold medal.

Margaret T. - PA

Everything and everyone I had contact with was very professional. John provided exceptional service. He is truly a very patient and courteous professional who kept me informed of any changes, who returned my anxious phone calls promptly and without being overbearing or "pushy" helped me through all the required paperwork. John was very honest with informing me of the mortgage plans Reliance First Capital offered and was quick to offer solutions to any problems I encountered with forwarding my paperwork. I would recommend Reliance [First Capital] and John to anyone of my friends, clients, etc. who would like to re-mortgage. Thank you for everything, especially not changing any of the numbers from the original quotes and good faith estimates as other lenders tend to do.

Mick M. - CA

My brother and I want to express our appreciation to you and all the folks at Reliance First Capital for assisting us with our recent home refinance. During these tough economic times and the financial industry adjusting their lending requirements, it is not easy to accomplish any kind of financing. But your expertise, perseverance and professionalism were, without question, the only reason we were able to complete the transaction! You guys went above and beyond the average lender in understanding our situation, jumping over hurdles and assisting us all through the process. We couldn’t be happier with the service you provided! I would recommend anyone who needs help with their mortgage to contact you! Thanks so much!

Sheri L. - AZ

Hi Dean, as I was telling the notary/closer, my experience with you and Reliance [First Capital] from day one was professional, expedient and courteous. The entire experience was very pleasant. I was very pleased on how quickly everything went. I would highly recommend Dean and Reliance [First Capital].

Louester B. - SC

Sara was truly exceptional and professional in a personal way. I feel as though I have known her all of my life. She was kind, prompt with responses and gave information in a timely fashion to alleviate my fears. I would recommend her to anyone needing this type service. Also, I commend Rebecca [in the Processing Department] for her tenacity to get things done and to get information needed to keep things running smoothly.

Mike O. - PA

Heather was amazing and honest. I trusted her right from the start.

Adrien and Denise V. - NH

This is long over due, but I want to thank you for the help in securing the loan. You delivered everything you said and that is a pleasant surprise in this day. If we were in the military, I would say you were on the fast track to promotion. You walked [us through] each step and I would not hesitate in coming back to you for more loans if needed.

Debra G. - NM

[Michael] was very professional and pleasant to work with. I will always remember his nice manner and his patience regarding my multitude questions. Thank you Michael. Keep up the great work and helping individuals like myself.

Jason P B. - AZ

Michael handled the loan process for us. He was very helpful, knowledgeable, and I felt like he became a friend over the course of the loan process. He stayed in communication and handled inquiries and concerns with professionalism. Thanks Michael!

Susan and Dennis B. - AZ

Everything went wonderfully. The process was easy and the analyst was terrific to work with. From the first contact call to the last congratulatory call, Frank was courteous and forthright. He kept his word by keeping me informed. He returned my phone calls quickly and had the information I needed. I was very happy with the whole experience. Whether purchasing a new car or home or refinancing a mortgage, the process should be without stress. Unfortunately, these purchases are oftentimes very stressful. My experience with Reliance First Capital was the best I have ever had with refinancing my home. Thank you so much for all of your team's hard work. I have already provided referrals which have contacted your company. Although, I do not have new names, I keep your card in my wallet and will recommend you to all of my friends who are looking to either purchase a home or refinance their mortgage. Thanks again!

Katherine S. - CA

Selwyn kept me in the loop. [He] called me regularly to inform me of what was going to happen, to answer questions and to see that what he said was ‘going to happen’ happened. He stayed on the line to walk me through processes in which I needed help. He faxed, telephoned and e-mailed me when it was appropriate. He was polite, never rushed, and showed his eagerness to see that I was satisfied and felt safe in my decisions.

I have experienced [at least] 5 closings in my 60+ life and have never experience such a stress-free refinancing situation. I had an opportunity to read every document necessary for my refinancing and closing. I was not rushed or hassled to get things done. The importance of each task was explained so that I knew why I was asked to do whatever I had to do. I kept a diary of most conversations, requests, tasks and actions of [Selwyn] to help me stay on track. I suggest you make such a recommendation to your clients. I really enjoyed working with Reliance First Capital. Now I am just waiting for the first bill which I will gladly pay. Oh! I also have a 24/7 secured web-site to go to to find the status of my mortgage account and more!

My sister will not allow me to give you her name but I have given her your information and will keep encouraging her to contact you. Sincerely, Katherine S.

Sandra S. - CA

Marcia gave outstanding service. There were some unforeseen issues that slowed the process and hampered original plans.

Joe and Roxanne B. - PA

Chris did a great job helping us.

Carolyn P. - NM

Ken was excellent from beginning to end. [The] process was easy and fast.

Dave L. - AZ

Robert, [our Mortgage Analyst], is number one in my book. [Reliance First Capital should] hire more Roberts.

James L. - ME

Michelle was so easy to work with. Everything was handled very professionally and speedy, all the while she kept us up-to-date on everything going on. We were very pleased with Reliance First Capital and will definitely recommend them to anyone who says they want to refinance.

Sheri L. - AZ

My experience with [Dean] and Reliance [First Capital] from day one was professional, expedient and courteous. The entire experience was very pleasant, I was very pleased on how quickly everything went. I would highly recommend Dean and Reliance [First Capital].

Sharon S. - TN

Marcia was very nice and informative.

Shawn M. - PA

Chris was in continuous contact with me during the process. He made the process move along smoothly. I have already spoken with a friend about Reliance [First Capital]. I will have him call when he’s ready.

Bonnie and Joseph O. - PA

John was on top of everything and always, always kept me informed on the process.

Kathleen O. - MN

Michelle [and the rest of the team] contributed to a very smooth, professional process. My thanks to all of them. You have a great team and everyone was courteous, professional and (top importance to me) kept me informed and always called me when they said they would. I will pass your Company's name on if an opportunity [for a referral] arises. Thank you again.

Donna O. - PA

Lynn was great! She met with us on our time and explained everything in detail. There were no surprises!

Kenneth and Geraldine D. - CA

Brian,
Ken and I would like to thank you for all of your help on obtaining our loan. You made all the paper work painless and easy to understand. Thank you for your courteous, kind and professional manner. You were very concise in all of your correspondence. Ken and I would absolutely refer you to anyone we know needing a loan.

Thanks to you, our holiday season will be less stressful.

Have a very Happy Holliday.

Iryna K. - IN

It was so easy to work with Jackie. She was honest and very professional, returning all my calls right away. She is just wonderful to work with. Thanks Jackie.

Malachi G. - FL

Carla was my contact person. She was honest and professional. If it wasn't for her I would have went with a local company! Carla was the key in this process. It seems like I know her after talking to her daily! Thanks.

Cheri L. - OR

Michele was great to deal with. [She] always gave us options about different loans. I really appreciate her hard work for us. Because of her and your staff, I will strongly recommend your company to any one who asks. Thank you again Michele.

Lorraine B. - ME

Selwyn was exceptional in all aspects of this process. [He] was there at a moment’s notice to answer questions and resolve issues. [He was] very patient and clear in explaining each part of the process. I would highly recommend his services to anyone.

Neva G. - PA

Todd was very committed to the process and got the job done in a very [courteous] manner. I would highly recommend him to anyone!

Joyce K. - TN

A local office in Nashville would have been nice, but the whole process went well online. I was very impressed. Dietrich and Nick were fabulous, very helpful, informative and super-easy to work with online and on the phone. I was very pleased with the knowledge and courteous professionalism with your company. I enjoyed working with both of these folks.

Magaly S. - FL

I refinanced with Reliance First Capital, and Viney was my agent. He was very attentive and helpful in getting the deal I was looking for. I very much recommend Reliance [First Capital] and Viney.

Lloyd R. - TN

Becky [was] Top Notch from day one. [She] always made sure to let me know how things were going. It seemed like I'd known her for years. [She] made you feel like the only person she was doing work for when I know deep down I was but a small fish in a big pond. Thank You Becky for all your hard work.

Duane G. - NM

Becky, Dianna, and Nick did a wonderful job working with me, all the required paperwork was thru email and there were no issues. Thank you very much!

Clifton C. - TN

Marcia [was] great through the whole process. [She] responded quickly and fully to any questions. [She] was excellent to work with.

Shirley J. - IN

Craig kept me informed through the entire process. He addressed every problem that I had and solved it very quickly. His personality was so easy to deal with and I am going to miss talking to him almost every day. I wish him every success in whatever he does in his life. I don't know of anyone at the present time that might benefit from the services that Reliance First Capital offers, but I will keep a note of your contact information and I will be sure to tell anyone that can use your services to call you. I guess you could call me a satisfied customer.

Robert S. - FL

From the onset of this process, Dietrich has provided us nothing less than 100% star-stellar courtesy, patience, and professionalism. Dietrich took the time to listen and to understand our concerns as to what we were seeking from this endeavor. Based on our needs and her experience, Dietrich presented to us the best options available and allowed us to choose which one best suited our needs. Her professionalism, laced with her ability to make us feel comfortable in dealing with her, is what convinced us that Reliance First Capital was [a company] that we could trust. Dietrich is truly a special and gifted agent and should be commended for all that she represents and brings to this company. By far, I think Dietrich Hampton is the best. I truly hope that Reliance First Capital realizes just how important and rare people like Dietrich are. So, to Dietrich and Reliance First Capital, I say thank you. I have [no referrals] at the moment, but rest assured, when I do, I will definitely recommend Reliance First Capital, but more importantly Dietrich.

Heidi F. - NH

Be careful what you wish for....

One day I just couldn't help myself and clicked on one of those "Refinance Now" ads on the internet. Within what seemed like moments there was a phone call from this slick salesman named Jim from Reliance First Capital. You know the type- fast talker, obnoxious NY accent and no clue about the skeptical untrusting person he had on the other end of the phone.

He told me right from the beginning what my credit score was, and that if I spoke with anyone else I was to give them that score and not have them run my credit. If that wasn't pushy enough he presumed that I was still interested and within a day presented me with 4 different scenarios on refinancing my mortgage along with the promise of saving me hundreds of thousands of dollars. Like I hadn't heard that before.

When I hadn't called him back, he had the nerve to call again and tell me that the rates had dropped to around 4%, virtually/possibly/maybe leaving my payments the same. OK, so he had my attention. I took the figures to our accountant and he approved. From there on out Jim became a part of our daily lives until closing. He does not know this-although he may claim to-but we never spoke with anyone else. Something told us that he was sincere-even with the obnoxious Ny accent! Jim followed through and never promised anything he didn't deliver and as I sit here waiting for my new mortgage company to send me papers, I know that they will arrive shortly because Jim follows through on his word. Jim helped us eliminate 10 years of mortgage payments!

Thank you Jim and Jim's team at Reliance [First Capital] for restoring our faith in mankind

Juanita T. - MD

Dianna took my loan information [and] helped in making the correct program that would help me financially.

Tim B. - IN

Everyone we dealt with was extremely kind and professional but we were told more than once we had provided all the documents needed and then another one was requested more than once. Maybe you could have a list prior to the application process so future clients could gather all the information needed at one time. Both Charles and Tracy were eager to explain any questions we had and returned our calls immediately. They were very patient and explained things in detail. We would recommend Reliance [First Capital] to anyone we know wishing to re-finance.

Thomas K. - MD

We worked with Sara through our whole refinancing deal and she was extremely helpful and friendly. She truly made the entire process a pleasure to go through.

Luis A. - CT

Thank you again for your time, patience and support during my time of financial decision making.

Patricia R. - SC

JR’s a great communicator and very caring. [His manager] Bryan was quick to step in when needed.

Sandra V. - FL

I was very hesitant to do a FHA streamline because of some of the offers I had received from other lenders in the past. Michele kept me informed, was very friendly, and made me feel at ease during the entire process. Because of Michele I will recommend Reliance First Capital to all my friends and family.

Lisa K. - PA

From Neil and I both, you helped us out when no one else would. You made what seemed impossible, possible. You are excellent at what you do and used that excellence with us through this entire process. THANK YOU

Christine N. - ME

It was a great process. Carla is just fantastic.

Luis A. - CT

I would like to name Michelle for exceptional service. [She] answered all my questions and took extra time to walk me through all the steps of my loan. [She] made my experience of refinancing a smooth transition.

Ben, Megan and Dylan F. - CT

Thank you! Maybe a little too much (Not really – you could never be thanked enough!)

Your great service has made our family very happy. Thank you [John] for all your hard work, you are totally awesome!

Joung S. - CA

Thank you very much for all your efforts in helping me refinance my house. My husband and I thought that the closing costs would be too high for us. We really appreciate all your mail packages. God bless you!

Mia M. - PA

I was skeptical when I received a phone call from Darryl and he told me that he was able to help me refinance my house. I am a single mother of three and desperately needed some help. Darryl, from the very beginning, was so helpful and informative.

After a lot of questions, Darryl was able to refinance my house at a lower rate and helped me to pay off a high percentage credit card - and helped me to have some extra cash. The whole process was so easy with his help. Darryl kept me reassured the whole time and answered every single question (and there were many) promptly and explained everything to me. I joked with him and told him that if everything went through he would be “my new best friend” - and now he is!

I would HIGHLY recommend Reliance First Capital to anyone, but mostly, I would recommend Darryl.

Thank you Reliance [First Capital] and thank you Darryl!!!

Steve M. - FL

Charles made the difference for me. He is the reason I did business with Reliance First Capital. I had shopped...even SunTrust who did my first mortgage..

Mark M. - NH

My experience with Jim at Reliance First Capital was honestly better than I could have anticipated. The process of refinancing went very smoothly and efficiently. All of the goals that I hoped to achieve by refinancing were met and in some instances exceeded. Jim is very personable and genuine - a welcome treat in the world of banking. We've remained in touch since the closing and I consider him to be a friend.

Brandon & Stacy S. - IN

We were very pleased with the professionalism that [Gary] showed. He kept us in the loop on our loan process and was always available, even in the late evening hours due to our hectic schedule, to answer any of our questions. We were told that our loan went through, by others that contacted us, at a very fast pace with some loans taking several weeks to close. We believe that Gary’s hard work and diligence is the reason we closed our loan in just a couple of weeks. Be thankful for employees such as Gary who will go above and beyond the norm to have satisfied customers.

Amy O. - CT

I was able to get a great offer that I may not have gotten from other lenders. But I felt like I was dealing with a car salesman much of the time-- a little too much pressure and multiple phone calls per day. Again, they were helpful and got the job done quickly, but it was just a little too salesman like for my tastes. (as posted on LendingTree.com)

Paul & Laurie H. - IN

You guys are the cream of the crop. We were wined and dined by a bunch of lenders during our refi. Most were pushy and treated us like we were rubes. We've bought and sold a great many homes and didn't just fall off the turnip truck. Your people (Darryl in particular) was patient and treated us like family...from the nice side of the family tree. Darryl has to be the most personable, honest and hard working individual in your employ. He went above and beyond all of our expectations. He told us when to hold up and when to lock-in. All in all a very friendly professional and we would insist on using his service on any of our future financial needs. I realize that we had excellent credit and knew that we would have no trouble getting financed. Your people still waited with us until just the right rate became available. I hope to send more business your way when our friends and neighbors need to apply for loans. I'm sure you will treat them with the same respect as you did with us. As of right now, we don't have anyone looking for a loan, but rest assured that when we find someone wanting to secure financing...you will be the company to get the first call. Thank you so much for all you did for us.

Eddie & Helen G. - PA

We were very pleased with Jamie in handling and explaining all we needed to know and do to complete the process thoroughly and smoothly. It was the best mortgage process we ever went through....and all answers [to our questions] were given without us feeling that they were dumb questions.

Tracy P. - CA

Thomas gave me more than "exceptional service". He answered all my questions promptly and in terms that I could understand. He kept in close contact throughout the entire process and kept me at ease. I would definitely refer others to him.

Damon & Alicia B. - PA

Lynn went totally above and beyond what was required and expected of her. Our closing process was very painful due to issues on my credit but Lynn did everything she could to rectify the situation to get to the final goal of getting our mortgage refinanced.

Jacoba K. - OR

Tom went above and beyond in his customer service. He even called me on his mobile phone, when he had to leave work for a family emergency, to let me know the manager would be calling me and helping me that particular day. He is a great asset to your company. The loan process was very smooth.

Armando & Esther B. - PA

This letter is about my experience with Reliance First Capital but specifically Darryl, my loan officer. I should really say my friend. From the beginning, when Darryl first contacted me, I was skeptical that he could help. Especially if you have never met a person and everything is done over the phone. He had to gain my trust and he did. He is knowledgeable and a true professional and worked with me and my wife throughout our Home Mortgage Refinance process. He always kept us informed and did not pressure us at all like most of the mortgagers out there today. He knew our situation and he worked so hard to make it happened and he did. I would highly recommend Darryl and his company Reliance First Capital. Darryl, thank you so much and best of luck in the future.

James R. - MD

Everything that I experienced was great. Selwyn was exceptional.

Donald R. - CA

My experience was that the whole process was real easy and convenient; of course I don't like closing costs, if you could do anything about those in the future. Jim was in touch with us every day letting us know all aspects of the process, answering all questions and having good experienced recomendations. We are on the west coast and Jim still let us know what was going on even later in the evening on the East. Excellent job, Jim. Thanks! We went with Reliance [First Capital] because of the timely response to my refinancing needs. Jim was the first one to contact us after requesting loan information from an on-line request service. Many others responded, but later. I will refer anyone who is needing your services in the future.

Jeremy R. - MO

Rhiannon,

I just wanted to write and thank you for your assistance with my recent home refinance. Your expertise allowed me to obtain just the right loan to fit my needs, while still getting me the best interest rate available.

Your attention to detail was "spot-on" and the entire process was completely painless from my end. I was amazed how smooth the transaction was from start to finish.

I think the most pleasant surprise was that you quoted a closing date and you were able to not only meet that date, but beat it by almost a week. I also really appreciated your attention to detail and how well you were able to answer all my questions and explain every detail of the process. Every part of the refinance was pleasant, and there was definitely a lot of attention given to customer service.

Rhiannon, I can't express in words my appreciation for all of your hard work and diligence during the whole process. I will definitely be recommending you to anybody I know that needs mortgage/refinance assistance.

Joe F. - FL

Darryl and his [team leader] Jim are very nice gentlemen and their service was exceptional. They know their job and take it seriously and that will carry them along way. Keep up the good work guys.

P.S: YOU WON MY TRUST.

Silvio & Marcia N. - CT

Thank you so much for everything you did to help us with our refinance. At first, all we wanted to find out was if it was even feasible for us to refinance at this time, and before we knew it, we were finished with the whole process -- I think it took about a week from application to closing, which has to be some kind of record. Jim made us both feel very secure in taking on this refinance, which has enabled us to tell our son that he can stay in college and finish out his degree. From the beginning, Jim told us that he was available anytime, anyplace for any questions or concerns we may have had; by way of his email, his office number, his cell phone number and even his home number. He also told us that he would talk to us every day whether he had any new information for us or not and he made good on that promise.

We have learned so much from Jim; he made us feel comfortable with all the financial lingo and explained it in terms we could understand. Even though our refi has closed, Jim told us that he is still available to us at any time and he proved that to us today. It has been over a week since our closing and today we had a question about our escrow. He called immediately after receiving our email question and explained the ‘ins and outs’ of the situation. We are so grateful we answered the phone when Reliance First Capital called, and we feel we have a friend for the long-term in Jim. Please feel free to use our names as a reference to any future customers.

This has been a wonderful experience. Thank you so much.

Carolyn R. - MD

Decona was very professional and honest. He explained the loan process plainly and kept me abreast of everything during the process, every step of the way. I would highly recommend him to anyone I know that is interested in having their financial needs met. Kudos to Decona.

Bill B. - PA

Genie, you have been fantastic to work with.

Kevin L. - FL

Jim, you made the refinance experience a pleasurable one. When I called you on 3/31/03, you made note that the law was going on 4/1/09 regarding how much my home value would have to be. Other loan officers did not know about the law, but you did, and that was the main reason why I completed the transaction with you. You understood my needs and expedited any request that I had. You explained all of the features and expenditures of the loan clearly. If I ever have to refinance or sell my house, I will definitely be contacting you/or your company, Reliance First Capital, to help me through the process.

Charles & Brenda L. - TN

Debra was just great through the entire process. She was very professional and courteous and I enjoyed dealing with her.

Roberta L. - PA

Genie,

I wanted to send you an e-mail to thank you again for all of your help with my investigation of refinancing. Even though I have decided not to proceed at this time, it was a great experience working with you.

I worked with two other lenders and you were the only one that really listened to my situation and took everything into account, and were concerned about my best interest.

Like I mentioned, my husband and I will probably be moving in the next few years and I won’t hesitate to contact you at that time.

Glenda M. - SC

Becky made the refinancing go smoothly and kept me informed all the way through.

Mark F. - MD

Jim, I appreciate all of your help. If I can refer you to others, I will do so.
Keep up the good work!

Tom H. - PA

In my 30 years of buying properties, cars and getting any type of loan, I have never worked with someone as informative and thorough as Genie. You are lucky to have such a nice lady working [for] you.

Linda M. - MN

Approximately one month ago I had the opportunity to work with your organization in looking at options for me to come up with an action plan to lower my monthly mortgage payments, refinance my current mortgage or come up with a plan that was personalized for me to lower my interest rate on my current mortgage.

The individual Mortgage Analyst, that by fate is the only way I can explain it, was James.

From the onset of our conversation there was something about James which made me feel very comfortable and at least willing to lend a listening ear. I normally do not hold a conversation with individuals who call me unsolicited, especially when the conversation begins about what a deal we have for you...or with interest rates falling ... your goose has laid its golden egg, etc. Though James did say that through the FHA and new laws and business practices being enacted, he felt that Reliance [First Capital] might be able to come up with a program targeted especially for me as an individual which could help me lower my interest and even save a few dollars on my monthly payments.

The service and treatment I received while working with James leaves me speechless; as he will be able to attest, I was suspicious and my words were not very kind to him, in fact I said ‘look I am in no mood to talk with someone trying to run a scam on me’, this did not deter his kindness. He assured me that Reliance [First Capital] was a legitimate company, and after looking into my background, he felt strongly that Reliance [First Capital] could help me and that being in a position to qualify for an FHA back loan speaks volumes.

There are steps to the refinance process and each step which James said I would need to go through fell right into place and in order. I was very skeptical about paying for the appraisal of my home and even more so when the price was quoted, but again, James was reassuring and explained the ‘where, why and how come’ of this process and the appraisal took place in a professional and expedient manner.

After the appraisal the steps just fell into place and one of the most meaningful attributes of my experience dealing with Reliance [First Capital] was that fact that each time James said he would get back to me, he did so, and not only that, but while I was in the process of waiting on paperwork to get approved, he would call at random just to say ‘hello’ and let me know things was falling into place and just wanted to make sure I was comfortable and at ease with the process. Also he took the time to answer any and all questions I had and he never made me feel like I was asking a dumb question.

I could go on and on, but putting everything into perspective, James is an asset to any company, corporation or individual that he would be employed by. I have already spoken to several people about the possibility of working with Reliance [First Capital], and James in particular, about looking at ways to adjust their mortgage. I reassured them that everything is on the up and up and they would not have to worry about being scammed or taken advantage of. But more importantly, once they speak with James, they will not need to call me for any kind of reassurance, as his professionalism and kindness speaks for itself.

To whomever will read this, James is the type of individual employers seek out, especially in this day and age when the banking, lending and mortgage industries have such a bad rap. James and any other employee that can fill his shoes will change that.

It has been a pleasure working with Reliance [First Capital] and James and you will definitely receive business from individuals I am acquainted with.

John S. - IN

My loan process went more smoothly than I expected. If Carla is an example of the type of employees you hire, don't change a thing. Carla worked me through the loan process quickly and easily. She listened to Me to determine exactly what I wanted to accomplish. She didn't, as with so many others I had talked to, try to make changes with my wishes. She was actually a pleasure to work with. At this time there is no one I know [to refer to Carla] but I did post business cards and other literature in several business establishments in Kokomo.

Marilyn M. - FL

We can't say enough about [Jamie]. In the past 5yrs. in our new home we have dealt with many people and companies. Not one kept us so informed and returned our calls like Jamie. There was a time when I thought we were making a mistake, and she took the time to explain why this was a good move for us, and calmed me down from all my fears. She always called to see how things were going and I really felt it was from true concern for our well being. She is very professional, knowing all she does, and answering all our questions, but she has such compassion. If it wasn't for Jamie and her personable concern, we probably would not have done this. From the start, we felt she was out to help us, and not just to get our business. Thank you for having her available to us, to make our lives easier. I have already given Jamie’s name and number to people who are interested.

Melanie & Bill G. - PA

Ken, thank you so very much for all your help with our refinance. We appreciate all of your hard work in expediting the process and locking in such a great rate!

Barry W. - PA

Lynn was awesome. Very professional and customer-oriented. Thanks again Lynn.

Ryan & Laura D. - PA

Robert was outstanding in helping me with this loan! He is a top notch! Your company should be honored to have him as an employee!

Megan B. - PA

Ken, we can't thank you enough for all your help with our refinance. Your were always so good at getting back to us right away and keeping us informed of the status.

Penny & Ed B. - PA

Ed and I want to thank [Robert] for helping us with our recent refinance. The process began when I completed an on-line application. Within 15 minutes, you gave me a call. No high pressure techniques that I received from the other companies; just sincere conversation providing facts and offering information that helped us make our decision to go with your firm.

Throughout the entire process, which took a total of 8 days, you were not only extremely professional but you provided a series of options and opportunities to save us money. Honestly, we've never closed on a home so quickly! Another aspect that we enjoyed is that our entire refi (aside from the title company piece) was done over the phone making it very convenient. The title company actually came to our home on a Saturday morning for us to sign papers. We have never seen this type of service before. At no point along the way were we inconvenienced; nor did we have to go "out of our way" and jump through hoops to close the deal.

Thank you so much for your help. I've already passed your contact information along to others and will continue to do so in the future.

Diane & Robert D. - PA

Robert [was] very good about following through with the whole process.

Dawn & Richard P. - FL

[Lynn] answered all questions quickly in a professional manor - very helpful in the whole process, made this transaction very smooth.

Dan B. - MD

Mike [my mortgage analyst] and Jim [team leader] were very helpful throughout the process of the loan. When glitches were found in the process they were quick to resolve the issue and find a positive outcome that made the process possible to be completed. They both were very understanding to my family needs and not looking at the interest of Reliance [First Capital] but what was best for my family. Too often searching for a loan can be a burdensome process including all the paperwork and complexities in the financial market today. Both gentlemen were professional understanding to my concerns. Throughout the process of the loan I never felt as though I was not getting a fair and honest answer to my questions or concerns. Both [gentlemen] were very knowledgeable and could relate the information in an understandable manner……. this made the process much more comfortable in making my decision to continue to have a loan with Reliance [First Capital].

Elzy G. - MD

This was my 3rd refi and by far and away, Jamie was better than the previous two put together. The other two just wanted the money, but Jamie added her special touch and always went the extra mile to please the customer. She is a big asset at your company!

Bill & Carol M. - SC

I believe [Dianna] went above & beyond the call of duty in helping us through this whole process and I thank her from the bottom of my heart for all her help! Ask her about the details. LOL!

Eugene C. - CT

David worked around our very busy schedules to make the re-finance go smoothly and quickly.

John G.- MD

Jaime gave us several options (loans) that would fit our needs. She kept us informed throughout the whole process.

Willie P. - MD

David was mymortgage analyst during my latest home refinancing effort. I have refinanced many times, using various agents. I can clearly say that none can compare with the knowledge and professional skills and services that David provides. He is highly professional and is dedicated to the interests of the customer. I most highly recommend him for anyone seeking to refinance.

Deborah F. - PA

This is a letter of commendation for Lynn. Working with her on refinancing my mortgage has been a pleasure. Rarely have I experienced establishing a rapport as quickly and thoroughly with any representative of a business or company. Lynn is witty and warm as well as knowledgeable and professional. These are dynamic qualities for any one person to have. Lynn guided and supported my endeavor to better position myself financially. I feel I have made a friend with whom I hope to continue association. I am most comfortable in recommending friends and family to contact Lynn for mortgage needs.

Jacqueline P. - FL

I could not have been happier than with Olivia. She exceeded all expectations. Olivia was everything you would want in a loan officer. Thank you again Olivia for your great and hard work. You are incredible. I have already referred several people to Olivia and I will continue to refer as many as I can.

Sandra A. - SC

Matt called me after a referral from a friend. He followed up every step of the way. There were no problems with the loan or processing at all. I have already given Matt's information to a friend of mine.

Theresa M. - IN

I cannot begin to tell you how much I appreciated Doug's assistance with my mortgage refinance. He always displayed consistency, professionalism and a can-do attitude. Any time I had a question he responded quickly and usually anticipated other questions that I had. This kind of proactive approach really saved me a lot of time, which is my most valuable commodity, since I'm managing multiple projects at once.

Doug effortlessly guided me through the complicated details of my loan and presented me with many options that would have a positive outcome for my family's financial bottom line. When we closed our loan, we had some difficulty with the title company. Doug made himself available after hours and quickly resolved the situation. This kind of dedication to your customer should not go unnoticed, so I feel obliged to extend my heartfelt appreciation.

Jim, my mortgage analyst, was very courteous and thorough. I [had a] much better experience than my last refinancing.

Marge B. - SC

Matt kept me informed by calling me with the status of my loan nearly daily. When he was out sick for a day, he even made arrangements for another person to handle my questions. He was upfront and clearly explained everything throughout the process. I think this young man is an asset to your company.

Phyllis C. - PA

My experience with Reliance First Capital was excellent. Tom and his associates answered all of my questions. Whenever I called and Tom was not available, he always left me in the hands of another reliable associate. Thank you very much for this experience and I look forward to doing business with you again. I will refer all of my associates to your company. Again, thank you.

Joseph V. - FL

Matt is an exceptional employee who made my lending experience an enjoyable one.

Diane T. - OR

Michele was the best. She was very professional but still she was warm and personable. She was always there for us to answer any questions and she worked with us to get what we wanted. We had communications with her every single day. It was a memorable experience.

As I told her, I will tell anyone I know who is thinking about refinancing about her and she is the one to call. Thank you again.

Melissa S. - PA

[Our Reliance First Capital mortgage analyst] helped make sure our refinance went as smoothly as possible. She is detail oriented and a true asset to the Reliance First Capital team.

Tina M. - IN

Matt went out of his way to help. We had many hills to climb. We came across many papers having to do with our home that were either not filled out or not filled out right in the first place and Matt help fix every single one of them without a single complaint. I will be sharing his name and number with others.

Lisa H. - NH

Okay Jim, It’s true, you are as good as you say you are. You have delivered everything you promised and more. After getting caught up in the financial meltdown and left with the dubious variable rate mortgage, denied by our (then) current mortgage holders and one or two of your competitors, having a economically imposed lower self employed income and a DTI that would make anyone else cry, you have saved me from suffering another sleepless night.

Although I must admit that your somewhat overly self confident demeanor, spoken with the Gambino family accent, would normally have turned on my cynical deaf ear. But when you spoke of the positive things we had going in our direction, your promise to try everything you could to help, and your admission of loving a challenge, I just had to keep listening. And am I glad I did. It has been an absolute joy dealing with you and the folks at Reliance [First] Capital. I cannot thank you enough for the amount of time you spent to make this happen. You have made the dreadful task of refinancing a seamless pleasure.

My family and I will truly miss the daily phone calls and updates. (The kids even recognize your voice.) With our new security and monthly payments, we can now afford to get that rescue pup. I think we will name him Heisser.

You can trust your Reliance First Capital
mortgage analyst because they’ve been put through rigorous testing and background checks by the Federal Government, State Governments and by our organization. Also, every one of
our mortgage analysts are registered with the National Mortgage Licensing System (NMLS).

In addition, any information collected by our mortgage analysts are entered into and kept in our secure password-protected proprietary loan origination system, so you can be sure your information
is safe.